BlastPoint's Banking Scorecard
Bank of Cave City
Micro
Specialty: Agricultural
AR
FDIC cert 105
Designations: ✓ Community bank
Cave City, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Bank of Cave City shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$189.7M
-0.7% YoY
-1.4% QoQ
|
-$27.8M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$123.3M
-5.8% YoY
-3.3% QoQ
|
-$15.9M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$167.1M
+3.1% YoY
-1.6% QoQ
|
-$16.5M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
1.11%
-14.9% YoY
-3.4% QoQ
|
+0.03% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
4.29%
+12.7% YoY
+2.6% QoQ
|
+0.43% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
75.66%
-3.1% YoY
+1.8% QoQ
|
+7.93% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
2.00%
+72.4% YoY
-6.8% QoQ
|
+1.36% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
73.75%
-8.6% YoY
-1.8% QoQ
|
-0.77% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
14.13%
+12.0% YoY
-1.5% QoQ
|
-8.26% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
1.42%
+54.2% YoY
-7.9% QoQ
|
+0.97% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
21.86%
+6.8% YoY
+1.8% QoQ
|
+13.01% |
8.85%
-3.4% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.76%
+0.7% YoY
+36.6% QoQ
|
+0.20% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Tier 1 Capital Ratio
Current: 21.86% · Tier avg: 8.85%
86
86th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.56%
72
72th pctile
Net Interest Margin
Current: 4.29% · Tier avg: 3.85%
53
53th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.08%
51
51th pctile
Total Loans
Current: $123.3M · Tier avg: $139.2M
51
51th pctile
Total Deposits
Current: $167.1M · Tier avg: $183.7M
48
48th pctile
Total Assets
Current: $189.7M · Tier avg: $217.5M
45
45th pctile
Loan-to-Deposit Ratio
Current: 73.75% · Tier avg: 74.53%
27
27th pctile
Efficiency Ratio
Current: 75.66% · Tier avg: 67.73%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 14.13% · Tier avg: 22.39%
13
13th pctile
Delinquency Rate
Current: 2.00% · Tier avg: 0.64%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.42% · Tier avg: 0.45%
Top Weaknesses
12
12th pctile
Nonperforming Asset Ratio
Current: 1.42% · Tier avg: 0.45%
13
13th pctile
Delinquency Rate
Current: 2.00% · Tier avg: 0.64%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 14.13% · Tier avg: 22.39%
27
27th pctile
Efficiency Ratio
Current: 75.66% · Tier avg: 67.73%
45
45th pctile
Loan-to-Deposit Ratio
Current: 73.75% · Tier avg: 74.53%
48
48th pctile
Total Assets
Current: $189.7M · Tier avg: $217.5M
51
51th pctile
Total Deposits
Current: $167.1M · Tier avg: $183.7M
51
51th pctile
Total Loans
Current: $123.3M · Tier avg: $139.2M
53
53th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.08%
72
72th pctile
Net Interest Margin
Current: 4.29% · Tier avg: 3.85%
86
86th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.56%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.86% · Tier avg: 8.85%