BlastPoint's Banking Scorecard
First State Bank of Uvalde
Designations: ✓ Community bank
Uvalde, TX
8 branches across TX
First State Bank of Uvalde has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 17.68% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 27.7% in tier
- - Net Interest Margin 1.29% below tier average
- - ROA 0.15% below tier average
- - Delinquency Rate 0.39% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
-3.4% YoY
-1.8% QoQ
|
-$1.1B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
44% |
| Total Loans ? |
$658.6M
-6.2% YoY
-0.8% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.8% in tier |
| Total Deposits ? |
$1.5B
-6.3% YoY
-2.8% QoQ
|
-$813.7M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
46% |
| Return on Assets ? |
1.22%
+22.9% YoY
+12.2% QoQ
|
-0.15% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
49% |
| Net Interest Margin ? |
2.52%
+13.5% YoY
+8.6% QoQ
|
-1.29% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 6.0% in tier |
| Efficiency Ratio ? |
43.38%
-6.3% YoY
-5.3% QoQ
|
-17.68% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 9.4% in tier |
| Delinquency Rate ? |
1.28%
+46.5% YoY
-29.1% QoQ
|
+0.39% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
43.06%
+0.1% YoY
+2.1% QoQ
|
-41.15% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 3.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.44%
+6.4% YoY
-0.6% QoQ
|
-3.85% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.48%
+42.4% YoY
-28.3% QoQ
|
-0.20% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
46% |
| Tier 1 Capital Ratio ? |
15.23%
+13.6% YoY
+4.5% QoQ
|
+0.07% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.07%
+3.3% YoY
-78.9% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
18% |
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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 (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.