BlastPoint's Banking Scorecard

The First Bank of Celeste

under $100M Specialty: Other TX FDIC cert 3133

Designations: ✓ Community bank

Celeste, TX

537 banks in the under $100M peer group nationally 37 in TX

The First Bank of Celeste has 5 strengths but faces 1 concern

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

+ Delinquency Rate 1.36% below tier average
+ Non-Interest-Bearing Deposit Share 17.83% above tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ ROA 0.38% above tier average
+ Efficiency Ratio 18.86% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.19% below tier average

Get updates when The First Bank of Celeste releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$83.7M +4.9% YoY +0.8% QoQ	+$21.4M	$62.3M -0.5% YoY	$2.2B +1.1% YoY	$6.2B +9.0% YoY	76%
Total Loans ?	$29.1M +7.0% YoY +5.9% QoQ	-$5.2M	$34.3M -1.5% YoY	$1.0B +10.3% YoY	$3.2B +10.7% YoY	43%
Total Deposits ?	$76.4M +4.7% YoY +0.6% QoQ	+$24.5M	$51.8M -0.6% YoY	$1.9B +3.3% YoY	$4.8B +8.0% YoY	85%
Return on Assets ?	1.24% -1.3% YoY -4.2% QoQ	+0.38%	0.86% -3.6% YoY	1.40% +10.4% YoY	1.24% +13.1% YoY	64%
Net Interest Margin ?	3.68% +1.5% YoY -2.1% QoQ	-0.19%	3.87% +2.7% YoY	4.02% +2.6% YoY	3.89% +5.7% YoY	42%
Efficiency Ratio ?	68.77% +2.6% YoY +2.4% QoQ	-18.86%	87.63% +2.3% YoY	63.21% -2.3% YoY	66.84% -3.8% YoY	55%
Delinquency Rate ?	0.00%	-1.36%	1.36% +33.7% YoY	0.96% +37.0% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	38.07% +2.2% YoY +5.3% QoQ	-26.04%	64.11% -0.9% YoY	67.20% -0.8% YoY	76.69% +0.9% YoY	83%
Non-Interest-Bearing Deposit Share ?	41.62% +0.2% YoY +0.6% QoQ	+17.83%	23.79% +0.5% YoY	29.01% -1.0% YoY	22.01% -1.1% YoY	Top 8.0% in tier
Nonperforming Asset Ratio ?	0.00%	-0.77%	0.77% +28.7% YoY	0.62% +32.0% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	20.10% -5.6% YoY -1.3% QoQ	-6.67%	26.77% +2.0% YoY	18.06% +0.0% YoY	17.06% +0.8% YoY	70%
Non-Interest Income / Assets ?	0.10% -9.8% YoY -76.7% QoQ	-0.57%	0.67% +1.6% YoY	0.20% +4.1% YoY	0.32% +4.0% YoY	73%

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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 (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 41.62%

Peer Median: 23.79%

#44 of 537 Top 8.0% in under $100M

Total Deposits

size

Value: $76.38M

Peer Median: $51.83M

#84 of 537 Top 15.5% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 38.07%

Peer Median: 64.11%

#91 of 537 Top 16.8% in under $100M

132

Total Assets

size

Value: $83.72M

Peer Median: $62.28M

#132 of 537 Top 24.4% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available