BlastPoint's Banking Scorecard
First State Bank
Designations: ✓ Community bank
Winchester, OH
18 branches across OH · KY
First State Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.91% below tier average
- + Delinquency Rate 0.44% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 18.3% in tier
- - Credit Quality Pressure: Bottom 22.4% in tier
- - ROA 0.22% below tier average
- - Net Interest Margin 0.48% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+10.7% YoY
+3.3% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
16% |
| Total Loans ? |
$564.0M
+5.2% YoY
+1.3% QoQ
|
-$1.4B |
$2.0B
+0.6% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 3.8% in tier |
| Total Deposits ? |
$1.1B
+9.0% YoY
+3.8% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
1.15%
+5.5% YoY
+9.8% QoQ
|
-0.22% |
1.37%
+19.6% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
44% |
| Net Interest Margin ? |
3.34%
-1.9% YoY
-0.6% QoQ
|
-0.48% |
3.82%
+6.9% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
60.15%
-0.2% YoY
-0.0% QoQ
|
-0.91% |
61.06%
-4.6% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
49% |
| Delinquency Rate ? |
0.45%
+12.2% YoY
-0.1% QoQ
|
-0.44% |
0.89%
+14.1% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
52.25%
-3.4% YoY
-2.3% QoQ
|
-31.95% |
84.20%
+0.3% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
Top 4.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.95%
-3.3% YoY
+2.4% QoQ
|
-7.34% |
21.29%
-2.5% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.22%
+8.8% YoY
+0.5% QoQ
|
-0.46% |
0.67%
+15.6% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
71% |
| Tier 1 Capital Ratio ? |
17.09%
+4.4% YoY
-2.0% QoQ
|
+1.93% |
15.16%
+2.0% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
Top 14.4% in tier |
| Non-Interest Income / Assets ? |
0.14%
+0.6% YoY
-76.0% QoQ
|
-0.12% |
0.26%
+1.6% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
49% |
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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 (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.