BlastPoint's Banking Scorecard
Bank of England
Micro
Specialty: Agricultural
AR
FDIC cert 13303
Designations: ✓ Community bank
England, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Bank of England has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 35.78% below tier
- + Tier 1 Capital Ratio 15.08% above tier
- + Non-Interest Income / Assets 3.17% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.34% below tier
- - Efficiency Ratio 39.66% above tier
- - Delinquency Rate 2.99% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$328.6M
-11.9% YoY
-2.9% QoQ
|
+$111.1M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$96.7M
-12.2% YoY
-7.6% QoQ
|
-$42.5M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$249.5M
-11.7% YoY
-3.0% QoQ
|
+$65.8M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
-0.25%
-42.6% YoY
+35.1% QoQ
|
-1.34% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
3.55%
+0.4% YoY
+0.1% QoQ
|
-0.30% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
107.39%
+8.1% YoY
-1.4% QoQ
|
+39.66% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
3.63%
+12.4% YoY
+6.8% QoQ
|
+2.99% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
38.75%
-0.6% YoY
-4.7% QoQ
|
-35.78% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.31%
-11.5% YoY
-6.6% QoQ
|
+9.91% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
1.12%
+17.4% YoY
+6.6% QoQ
|
+0.67% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
23.93%
+9.0% YoY
+3.3% QoQ
|
+15.08% |
8.85%
-3.4% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
3.74%
-77.8% YoY
+27.3% QoQ
|
+3.17% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (3)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
38.75%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
23.93%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
3.74%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (3)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.25%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
107.39%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.63%
(Tier avg: 0.64%, National avg: 0.66%)
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
98
98th pctile
Non-Interest Income / Assets
Current: 3.74% · Tier avg: 0.56%
95
95th pctile
Loan-to-Deposit Ratio
Current: 38.75% · Tier avg: 74.53%
92
92th pctile
Tier 1 Capital Ratio
Current: 23.93% · Tier avg: 8.85%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.31% · Tier avg: 22.39%
77
77th pctile
Total Assets
Current: $328.6M · Tier avg: $217.5M
71
71th pctile
Total Deposits
Current: $249.5M · Tier avg: $183.7M
42
42th pctile
Total Loans
Current: $96.7M · Tier avg: $139.2M
37
37th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.12% · Tier avg: 0.45%
4
4th pctile
Return on Assets
Current: -0.25% · Tier avg: 1.08%
3
3th pctile
Efficiency Ratio
Current: 107.39% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 3.63% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.63% · Tier avg: 0.64%
3
3th pctile
Efficiency Ratio
Current: 107.39% · Tier avg: 67.73%
4
4th pctile
Return on Assets
Current: -0.25% · Tier avg: 1.08%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.12% · Tier avg: 0.45%
37
37th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
42
42th pctile
Total Loans
Current: $96.7M · Tier avg: $139.2M
71
71th pctile
Total Deposits
Current: $249.5M · Tier avg: $183.7M
77
77th pctile
Total Assets
Current: $328.6M · Tier avg: $217.5M
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.31% · Tier avg: 22.39%
92
92th pctile
Tier 1 Capital Ratio
Current: 23.93% · Tier avg: 8.85%
95
95th pctile
Loan-to-Deposit Ratio
Current: 38.75% · Tier avg: 74.53%
98
98th pctile
Non-Interest Income / Assets
Current: 3.74% · Tier avg: 0.56%