BlastPoint's Banking Scorecard
Bank of Lake Village
Micro
Specialty: Agricultural
AR
FDIC cert 15547
Designations: ✓ Community bank
Lake Village, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Bank of Lake Village demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.78% above tier
- + Tier 1 Capital Ratio 17.23% 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 ? |
$81.8M
-2.7% YoY
-2.5% QoQ
|
-$135.7M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$42.7M
+1.4% YoY
-20.3% QoQ
|
-$96.5M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$68.3M
-5.7% YoY
-2.5% QoQ
|
-$115.3M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.26%
-26.0% YoY
-33.9% QoQ
|
+0.18% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
5.63%
+1.5% YoY
+0.7% QoQ
|
+1.78% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
60.56%
-9.7% YoY
+20.0% QoQ
|
-7.16% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
1.91%
+239.8% YoY
+73.5% QoQ
|
+1.27% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
62.48%
+7.6% YoY
-18.2% QoQ
|
-12.05% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
34.22%
+4.5% YoY
-2.0% QoQ
|
+11.83% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
1.13%
+300.1% YoY
+60.2% QoQ
|
+0.68% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
26.08%
+8.2% YoY
+12.1% QoQ
|
+17.23% |
8.85%
-3.4% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.19%
-15.4% YoY
+30.6% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.63%
(Tier avg: 3.85%, National avg: 3.75%)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
26.08%
(Tier avg: 8.85%, National avg: 9.75%)
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
96
96th pctile
Net Interest Margin
Current: 5.63% · Tier avg: 3.85%
94
94th pctile
Tier 1 Capital Ratio
Current: 26.08% · Tier avg: 8.85%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.22% · Tier avg: 22.39%
73
73th pctile
Loan-to-Deposit Ratio
Current: 62.48% · Tier avg: 74.53%
66
66th pctile
Efficiency Ratio
Current: 60.56% · Tier avg: 67.73%
63
63th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
17
17th pctile
Total Deposits
Current: $68.3M · Tier avg: $183.7M
17
17th pctile
Total Assets
Current: $81.8M · Tier avg: $217.5M
17
17th pctile
Nonperforming Asset Ratio
Current: 1.13% · Tier avg: 0.45%
16
16th pctile
Total Loans
Current: $42.7M · Tier avg: $139.2M
14
14th pctile
Delinquency Rate
Current: 1.91% · Tier avg: 0.64%
Top Weaknesses
14
14th pctile
Delinquency Rate
Current: 1.91% · Tier avg: 0.64%
16
16th pctile
Total Loans
Current: $42.7M · Tier avg: $139.2M
17
17th pctile
Nonperforming Asset Ratio
Current: 1.13% · Tier avg: 0.45%
17
17th pctile
Total Assets
Current: $81.8M · Tier avg: $217.5M
17
17th pctile
Total Deposits
Current: $68.3M · Tier avg: $183.7M
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
63
63th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
66
66th pctile
Efficiency Ratio
Current: 60.56% · Tier avg: 67.73%
73
73th pctile
Loan-to-Deposit Ratio
Current: 62.48% · Tier avg: 74.53%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.22% · Tier avg: 22.39%
94
94th pctile
Tier 1 Capital Ratio
Current: 26.08% · Tier avg: 8.85%
96
96th pctile
Net Interest Margin
Current: 5.63% · Tier avg: 3.85%