BlastPoint's Banking Scorecard
First State Bank
Designations: ✓ Minority Depository Institution
Shallowater, TX
5 branches across TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
- Deposits +0.3% year over year ($122.9M on the books).
- Delinquency rate 0.23%.
- Return on assets 1.32%.
- Efficiency ratio 72.47% vs a 64.48% peer average.
- Loan-to-deposit ratio 85.97% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.92% above tier average
- + Delinquency Rate 0.69% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.8% in tier
- - Efficiency Ratio 7.99% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$150.8M
+1.6% YoY
-3.7% QoQ
|
-$235.8M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.2% in tier |
| Total Loans ? |
$105.7M
+19.8% YoY
+11.5% QoQ
|
-$152.7M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
21% |
| Total Deposits ? |
$122.9M
+0.3% YoY
-4.5% QoQ
|
-$203.8M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.9% in tier |
| Return on Assets ? |
1.32%
-9.7% YoY
+11.7% QoQ
|
-0.01% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
4.90%
-9.1% YoY
+3.5% QoQ
|
+0.92% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 9.6% in tier |
| Efficiency Ratio ? |
72.47%
+0.8% YoY
-2.9% QoQ
|
+7.99% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
25% |
| Delinquency Rate ? |
0.23%
-73.4% YoY
+143.9% QoQ
|
-0.69% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
85.97%
+19.5% YoY
+16.7% QoQ
|
+8.02% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
28.68%
+4.3% YoY
+9.2% QoQ
|
+6.65% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.16%
-68.6% YoY
+182.4% QoQ
|
-0.51% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
15.90%
-1.6% YoY
-0.5% QoQ
|
-0.01% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.14%
+7.2% YoY
+96.4% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
30% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.7%
+1.2pp YoY +2.4pp QoQ |
+6.5pp | 22.1% | 29.2% | 22.2% | 78% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.4%
+1.9pp YoY -0.6pp QoQ |
-1.2pp | 11.6% | 14.8% | 12.5% | 55% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family |
5.2%
-0.4pp YoY -1.1pp QoQ |
-27.4pp | 32.6% | 25.8% | 31.3% | 5% |
| Consumer |
1.6%
-0.6pp YoY -0.3pp QoQ |
-2.5pp | 4.1% | 4.7% | 5.0% | 42% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
15.9%
-0.3pp YoY -0.1pp QoQ |
+3.7pp | 12.2% | 12.6% | 12.6% | 90% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
35
+3 (+9.4%) YoY -3 (-7.9%) QoQ |
-24 | 58 | 186 | 482 | 35% |
| Assets per Employee ($) |
$4.3M
-7.1% YoY +4.5% QoQ |
-$3.2M | $7.5M | $10.1M | $8.8M | 7% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 12 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.6pp YoY +0.1pp QoQ |
-0.7pp | 0.9% | 1.0% | 1.0% | 32% |
| Allowance Coverage |
6.16x
+195.0% YoY -60.5% QoQ |
-17.99x | 24.15x | 18.82x | 20.23x | 74% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY -0.2pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 85% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.6%
-0.7pp YoY +0.8pp QoQ |
-4.6pp | 12.2% | 13.2% | 11.6% | 23% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.6% | 1.7% | 73% |
| Net Income ($, YTD) |
$997,000
-3.4% YoY — QoQ |
-$1.6M | $2.6M | $15.9M | $40.4M | 26% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.