BlastPoint's Banking Scorecard
The First Bank of Celeste
Designations: ✓ Community bank
Celeste, 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 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits -0.5% year over year ($76.3M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.35%.
- Efficiency ratio 67.74% vs a 119.40% peer average.
- Loan-to-deposit ratio 39.87% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First Bank of Celeste has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Non-Interest-Bearing Deposit Share 16.56% above tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.35% above tier average
- + Efficiency Ratio 51.66% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.10% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$83.9M
+0.2% YoY
+0.2% QoQ
|
+$21.4M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
76% |
| Total Loans ? |
$30.4M
+13.9% YoY
+4.6% QoQ
|
-$4.5M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
45% |
| Total Deposits ? |
$76.3M
-0.5% YoY
-0.1% QoQ
|
+$24.6M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 14.4% in tier |
| Return on Assets ? |
1.35%
+6.6% YoY
+8.7% QoQ
|
+0.35% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
69% |
| Net Interest Margin ? |
3.81%
+4.4% YoY
+3.6% QoQ
|
-0.10% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
67.74%
+1.1% YoY
-1.5% QoQ
|
-51.66% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.48% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
39.87%
+14.5% YoY
+4.7% QoQ
|
-34.34% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
40.05%
-3.8% YoY
-3.8% QoQ
|
+16.56% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 9.3% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.84% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
20.01%
-5.5% YoY
-0.5% QoQ
|
-7.12% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.24%
+9.4% YoY
+134.0% QoQ
|
-1.14% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
77% |
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 |
40.0%
-1.6pp YoY -1.6pp QoQ |
+15.4pp | 24.6% | 29.2% | 22.2% | 90% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
19.5%
+2.1pp YoY +4.9pp QoQ |
+6.1pp | 13.4% | 14.8% | 12.5% | 78% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
14.0%
-0.1pp YoY +0.3pp QoQ |
-21.0pp | 35.0% | 25.8% | 31.3% | 27% |
| Consumer |
21.1%
-0.7pp YoY -0.2pp QoQ |
+13.5pp | 7.7% | 4.7% | 5.0% | 94% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.0%
-1.2pp YoY -0.1pp QoQ |
-18.7pp | 38.7% | 22.7% | 19.7% | 46% |
| Leverage Ratio |
8.4%
+0.4pp YoY +0.1pp QoQ |
-9.3pp | 17.7% | 12.6% | 12.6% | 5% |
| Total Capital Ratio |
21.3%
-1.2pp YoY -0.1pp QoQ |
-18.4pp | 39.7% | 23.8% | 20.8% | 48% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
0 YoY -1 (-7.1%) QoQ |
+1 | 12 | 186 | 482 | 62% |
| Assets per Employee ($) |
$6.5M
+0.2% YoY +7.9% QoQ |
+$264K | $6.2M | $10.1M | $8.8M | 58% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 63% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.2%
+0.3pp YoY +1.2pp QoQ |
+9.8pp | 6.4% | 13.2% | 11.6% | 87% |
| Cost of Funds (YTD) |
0.9%
0.0pp YoY 0.0pp QoQ |
-0.5pp | 1.4% | 1.6% | 1.7% | 22% |
| Net Income ($, YTD) |
$562,000
+9.6% YoY — QoQ |
+$244K | $317,817 | $15.9M | $40.4M | 80% |
Get Full Access to The First Bank of Celeste
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.