BlastPoint's Banking Scorecard

First State Bank of Uvalde

$1B-$10B Specialty: Commercial TX FDIC cert 9978

Designations: ✓ Community bank

Uvalde, 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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits -10.4% year over year ($1.5B on the books).
Delinquency rate 1.29%.
Return on assets 1.19%.
Efficiency ratio 44.70% vs a 59.73% peer average.
Loan-to-deposit ratio 45.17% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

First State Bank of Uvalde has 1 strength 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

+ Efficiency Ratio 15.03% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 21.4% in tier
- Net Interest Margin 1.35% below tier average
- ROA 0.20% below tier average
- Delinquency Rate 0.42% above tier average

Get updates when First State Bank of Uvalde releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.7B -7.6% YoY -4.1% QoQ	-$1.1B	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	42%
Total Loans ?	$661.4M -3.5% YoY +0.4% QoQ	-$1.3B	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 6.6% in tier
Total Deposits ?	$1.5B -10.4% YoY -4.3% QoQ	-$854.7M	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	44%
Return on Assets ?	1.19% +25.0% YoY -2.2% QoQ	-0.20%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	44%
Net Interest Margin ?	2.52% +14.5% YoY -0.2% QoQ	-1.35%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Bottom 4.9% in tier
Efficiency Ratio ?	44.70% -5.3% YoY +3.0% QoQ	-15.03%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 11.1% in tier
Delinquency Rate ?	1.29% -14.8% YoY +1.1% QoQ	+0.42%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	21%
Loan-to-Deposit Ratio ?	45.17% +7.7% YoY +4.9% QoQ	-39.87%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 3.2% in tier
Non-Interest-Bearing Deposit Share ?	18.09% +6.4% YoY +3.8% QoQ	-3.18%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	41%
Nonperforming Asset Ratio ?	0.51% -11.0% YoY +5.8% QoQ	-0.17%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	43%
Tier 1 Capital Ratio ?	15.66% +13.8% YoY +2.8% QoQ	+0.82%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.16% +8.7% YoY +121.8% QoQ	-0.37%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	20%

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	18.1% +1.1pp YoY +0.7pp QoQ	-3.3pp	21.4%	29.2%	22.2%	40%
Brokered Deposits	n/a	n/a	9.5%	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	12.8% +2.1pp YoY +0.5pp QoQ	-1.2pp	14.0%	14.8%	12.5%	58%
CRE	55.7% -4.6pp YoY -1.1pp QoQ	+5.7pp	50.0%	48.4%	41.4%	65%
1-4 Family	19.7% +0.4pp YoY -0.9pp QoQ	-6.7pp	26.4%	25.8%	31.3%	42%
Consumer	1.6% -0.2pp YoY 0.0pp QoQ	-3.1pp	4.7%	4.7%	5.0%	57%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	22.7%	19.7%	n/a
Leverage Ratio	15.7% +1.9pp YoY +0.4pp QoQ	+4.3pp	11.3%	12.6%	12.6%	94%
Total Capital Ratio	n/a	n/a	16.7%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	136 +7 (+5.4%) YoY +2 (+1.5%) QoQ	-178	313	186	482	18%
Assets per Employee ($)	$12.4M -12.4% YoY -5.5% QoQ	+$1.9M	$10.5M	$10.1M	$8.8M	80%
Branch Count	8 0 YoY 0 QoQ	-12	20	12	18	20%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY -0.6pp QoQ	-0.1pp	0.2%	0.3%	0.4%	70%
Nonaccrual	1.2% -0.3pp YoY +0.6pp QoQ	+0.4pp	0.8%	1.0%	1.0%	79%
Allowance Coverage	1.25x +21.7% YoY -1.2% QoQ	-17.46x	18.71x	18.82x	20.23x	32%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY -0.1pp QoQ	-0.2pp	0.3%	0.1%	0.2%	68%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	10.0% -0.2pp YoY -0.5pp QoQ	-2.6pp	12.6%	13.2%	11.6%	33%
Cost of Funds (YTD)	1.7% -0.4pp YoY 0.0pp QoQ	-0.2pp	1.9%	1.6%	1.7%	40%
Net Income ($, YTD)	$10.4M +19.5% YoY — QoQ	-$8.8M	$19.2M	$15.9M	$40.4M	42%

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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 (1)

Deposit Outflow

decline

#29 of 131 • Bottom 21.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (3 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 45.17%

Peer Median: 85.04%

#29 of 885 Top 3.2% in $1B-$10B

Efficiency Ratio

profitability

Value: 44.70%

Peer Median: 59.73%

#99 of 885 Top 11.1% in $1B-$10B

192

Tier 1 Capital Ratio

capital

Value: 15.66%

Peer Median: 14.84%

#192 of 885 Top 21.6% in $1B-$10B

Top Weaknesses (4 metrics)

843

Net Interest Margin

profitability

Value: 2.52%

Peer Median: 3.87%

#843 of 885 Bottom 4.9% in $1B-$10B

828

Total Loans

size

Value: $661.36M

Peer Median: $1.96B

#828 of 885 Bottom 6.6% in $1B-$10B

706

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.53%

#706 of 885 Bottom 20.3% in $1B-$10B

699

Delinquency Rate

credit_quality

Value: 1.29%

Peer Median: 0.87%

#699 of 882 Bottom 20.9% in $1B-$10B