BlastPoint's Banking Scorecard
The First National Bank of Izard County
Micro
Specialty: Other
AR
FDIC cert 11252
Designations: ✓ Community bank
Calico Rock, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
The First National Bank of Izard County shows strong momentum with 1 strength and 6.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.16% above tier
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 ? |
$230.7M
+6.7% YoY
+1.7% QoQ
|
+$13.3M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$113.1M
+6.0% YoY
-0.0% QoQ
|
-$26.0M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$159.9M
+6.5% YoY
+2.6% QoQ
|
-$23.8M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
1.60%
+7.5% YoY
-20.2% QoQ
|
+0.52% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
5.01%
+8.0% YoY
+1.7% QoQ
|
+1.16% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
54.43%
-8.1% YoY
+17.7% QoQ
|
-13.30% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
2.38%
-26.2% YoY
+16.0% QoQ
|
+1.74% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
70.77%
-0.5% YoY
-2.6% QoQ
|
-3.76% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
29.06%
-0.4% YoY
-1.1% QoQ
|
+6.67% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
1.19%
-24.8% YoY
+13.5% QoQ
|
+0.74% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
15% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.71%
+0.5% YoY
+33.0% QoQ
|
+0.15% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.01%
(Tier avg: 3.85%, National avg: 3.75%)
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
91
91th pctile
Net Interest Margin
Current: 5.01% · Tier avg: 3.85%
84
84th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
82
82th pctile
Efficiency Ratio
Current: 54.43% · Tier avg: 67.73%
78
78th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.08%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 29.06% · Tier avg: 22.39%
58
58th pctile
Total Assets
Current: $230.7M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Total Deposits
Current: $159.9M · Tier avg: $183.7M
48
48th pctile
Total Loans
Current: $113.1M · Tier avg: $139.2M
40
40th pctile
Loan-to-Deposit Ratio
Current: 70.77% · Tier avg: 74.53%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.19% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.38% · Tier avg: 0.64%
Top Weaknesses
10
10th pctile
Delinquency Rate
Current: 2.38% · Tier avg: 0.64%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.19% · Tier avg: 0.45%
40
40th pctile
Loan-to-Deposit Ratio
Current: 70.77% · Tier avg: 74.53%
48
48th pctile
Total Loans
Current: $113.1M · Tier avg: $139.2M
48
48th pctile
Total Deposits
Current: $159.9M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Total Assets
Current: $230.7M · Tier avg: $217.5M
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 29.06% · Tier avg: 22.39%
78
78th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.08%
82
82th pctile
Efficiency Ratio
Current: 54.43% · Tier avg: 67.73%
84
84th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
91
91th pctile
Net Interest Margin
Current: 5.01% · Tier avg: 3.85%