BlastPoint's Banking Scorecard

First State Bank

$100M-$1B Specialty: Commercial TX FDIC cert 18301

Designations: ✓ Minority Depository Institution

Shallowater, TX

5 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

First State Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.81% above tier average
+ Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.8% in tier
- Credit Risk Growth: Bottom 47.1% in tier
- Margin Compression: Bottom 56.4% in tier
- Efficiency Ratio 9.32% above tier average

Get updates when First State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$156.6M +10.2% YoY +6.8% QoQ	-$229.5M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	16%
Total Loans ?	$94.8M +12.3% YoY +5.6% QoQ	-$160.9M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	18%
Total Deposits ?	$128.7M +11.7% YoY +8.1% QoQ	-$199.3M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 14.9% in tier
Return on Assets ?	1.18% -11.4% YoY -16.7% QoQ	-0.09%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	4.74% -10.2% YoY -11.9% QoQ	+0.81%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 12.3% in tier
Efficiency Ratio ?	74.60% +1.1% YoY +2.5% QoQ	+9.32%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	23%
Delinquency Rate ?	0.09% +32.1% YoY +62.0% QoQ	-0.79%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	75%
Loan-to-Deposit Ratio ?	73.67% +0.5% YoY -2.3% QoQ	-2.97%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	60%
Non-Interest-Bearing Deposit Share ?	26.26% +6.0% YoY +9.4% QoQ	+4.24%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	71%
Nonperforming Asset Ratio ?	0.06% +34.6% YoY +60.3% QoQ	-0.58%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	77%
Tier 1 Capital Ratio ?	19.17% +12.6% YoY +5.6% QoQ	+3.34%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	85%
Non-Interest Income / Assets ?	0.07% +8.5% YoY -74.2% QoQ	-0.21%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	32%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk

#103 of 1308 • Bottom 7.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.09%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#459 of 973 • Bottom 47.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Margin Compression

decline

#173 of 305 • Bottom 56.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.18%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

330

Net Interest Margin

profitability

Value: 4.74%

Peer Median: 3.93%

#330 of 2664 Top 12.3% in $100M-$1B

408

Tier 1 Capital Ratio

capital

Value: 19.17%

Peer Median: 15.83%

#408 of 2664 Top 15.3% in $100M-$1B

623

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#623 of 2664 Top 23.3% in $100M-$1B

Top Weaknesses (4 metrics)

2267

Total Deposits

size

Value: $128.66M

Peer Median: $327.97M

#2267 of 2664 Bottom 14.9% in $100M-$1B

2228

Total Assets

size

Value: $156.62M

Peer Median: $386.08M

#2228 of 2664 Bottom 16.4% in $100M-$1B

2190

Total Loans

size

Value: $94.78M

Peer Median: $255.72M

#2190 of 2664 Bottom 17.8% in $100M-$1B

2053

Efficiency Ratio

profitability

Value: 74.60%

Peer Median: 65.29%

#2053 of 2664 Bottom 23.0% in $100M-$1B