BlastPoint's Banking Scorecard
First State Bank
Graham, TX
8 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 +8.7% year over year ($275.9M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.52%.
- Efficiency ratio 62.29% vs a 64.48% peer average.
- Loan-to-deposit ratio 60.45% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Non-Interest-Bearing Deposit Share 13.12% above tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.19% above tier average
- + Efficiency Ratio 2.19% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.15% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$308.8M
+8.5% YoY
+2.0% QoQ
|
-$77.8M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
48% |
| Total Loans ? |
$166.8M
+11.8% YoY
-1.7% QoQ
|
-$91.6M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
40% |
| Total Deposits ? |
$275.9M
+8.7% YoY
+2.3% QoQ
|
-$50.9M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
50% |
| Return on Assets ? |
1.52%
+18.0% YoY
+8.9% QoQ
|
+0.19% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
66% |
| Net Interest Margin ? |
3.84%
+0.5% YoY
+2.7% QoQ
|
-0.15% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
62.29%
-3.8% YoY
-3.8% QoQ
|
-2.19% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
50% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
60.45%
+2.9% YoY
-3.9% QoQ
|
-17.50% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
35.15%
+6.7% YoY
+2.5% QoQ
|
+13.12% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 9.6% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
17.14%
-1.1% YoY
-3.2% QoQ
|
+1.23% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.25%
-3.2% YoY
+99.2% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
63% |
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 |
35.2%
+2.2pp YoY +0.9pp QoQ |
+13.0pp | 22.1% | 29.2% | 22.2% | 90% |
| Brokered Deposits |
3.6%
-0.5pp YoY -0.2pp QoQ |
-4.2pp | 7.9% | 8.0% | 8.5% | 43% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
20.5%
-2.2pp YoY -0.7pp QoQ |
+8.9pp | 11.6% | 14.8% | 12.5% | 89% |
| CRE |
22.1%
+1.1pp QoQ |
-17.4pp | 39.5% | 48.4% | 41.4% | 21% |
| 1-4 Family |
23.7%
-1.8pp YoY -1.1pp QoQ |
-8.9pp | 32.6% | 25.8% | 31.3% | 38% |
| Consumer |
1.2%
-0.5pp YoY 0.0pp QoQ |
-2.9pp | 4.1% | 4.7% | 5.0% | 34% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.1%
-0.2pp YoY -0.6pp QoQ |
-1.7pp | 18.8% | 22.7% | 19.7% | 64% |
| Leverage Ratio |
10.1%
-0.1pp YoY -0.4pp QoQ |
-2.1pp | 12.2% | 12.6% | 12.6% | 33% |
| Total Capital Ratio |
18.1%
-0.2pp YoY -0.6pp QoQ |
-1.9pp | 19.9% | 23.8% | 20.8% | 64% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
51
-1 (-1.9%) YoY +2 (+4.1%) QoQ |
-8 | 58 | 186 | 482 | 54% |
| Assets per Employee ($) |
$6.1M
+10.6% YoY -2.0% QoQ |
-$1.5M | $7.5M | $10.1M | $8.8M | 35% |
| Branch Count |
8
0 YoY 0 QoQ |
+3 | 4 | 12 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.8%
+1.6pp YoY +1.7pp QoQ |
+5.6pp | 12.2% | 13.2% | 11.6% | 81% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.6% | 1.7% | 50% |
| Net Income ($, YTD) |
$2.3M
+27.1% YoY — QoQ |
-$271K | $2.6M | $15.9M | $40.4M | 58% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.