BlastPoint's Banking Scorecard
Arrowhead Bank
Micro
Specialty: Other
TX
FDIC cert 1198
Designations: ✓ Community bank
Llano, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Arrowhead Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.88% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$302.2M
+3.9% YoY
+5.6% QoQ
|
+$84.7M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$184.2M
+2.7% YoY
+1.4% QoQ
|
+$45.0M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$268.4M
+2.4% YoY
+5.9% QoQ
|
+$84.7M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.65%
+11.6% YoY
-5.6% QoQ
|
+0.57% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
4.69%
+8.2% YoY
+0.1% QoQ
|
+0.84% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
55.71%
-2.2% YoY
+5.4% QoQ
|
-12.01% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? | 0.02% | -0.62% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
68.62%
+0.3% YoY
-4.3% QoQ
|
-5.90% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
39.28%
+6.2% YoY
+3.4% QoQ
|
+16.88% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.22%
-0.2% QoQ
|
-0.24% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
19.82%
+9.6% YoY
-0.3% QoQ
|
+10.96% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.30%
+1.3% YoY
+34.9% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
39.28%
(Tier avg: 22.39%, National avg: 21.79%)
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
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 39.28% · Tier avg: 22.39%
86
86th pctile
Tier 1 Capital Ratio
Current: 19.82% · Tier avg: 8.85%
84
84th pctile
Net Interest Margin
Current: 4.69% · Tier avg: 3.85%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.08%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
79
79th pctile
Efficiency Ratio
Current: 55.71% · Tier avg: 67.73%
75
75th pctile
Total Deposits
Current: $268.4M · Tier avg: $183.7M
73
73th pctile
Total Assets
Current: $302.2M · Tier avg: $217.5M
70
70th pctile
Total Loans
Current: $184.2M · Tier avg: $139.2M
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.62% · Tier avg: 74.53%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.45%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
Top Weaknesses
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.45%
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.62% · Tier avg: 74.53%
70
70th pctile
Total Loans
Current: $184.2M · Tier avg: $139.2M
73
73th pctile
Total Assets
Current: $302.2M · Tier avg: $217.5M
75
75th pctile
Total Deposits
Current: $268.4M · Tier avg: $183.7M
79
79th pctile
Efficiency Ratio
Current: 55.71% · Tier avg: 67.73%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.08%
84
84th pctile
Net Interest Margin
Current: 4.69% · Tier avg: 3.85%
86
86th pctile
Tier 1 Capital Ratio
Current: 19.82% · Tier avg: 8.85%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 39.28% · Tier avg: 22.39%