BlastPoint's Banking Scorecard
Partners Bank
Micro
Specialty: Commercial
AR
FDIC cert 15729
Designations: ✓ Community bank
Helena, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Partners Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 25.26% 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 ? |
$415.3M
-6.2% YoY
-6.0% QoQ
|
+$197.8M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$347.7M
-6.4% YoY
-8.7% QoQ
|
+$208.5M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$348.4M
-4.9% YoY
+2.3% QoQ
|
+$164.8M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
1.17%
+28.3% YoY
+5.3% QoQ
|
+0.09% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
4.25%
+9.8% YoY
+1.6% QoQ
|
+0.40% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
60.91%
-4.6% YoY
-1.0% QoQ
|
-6.81% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
1.40%
+189.7% YoY
+240.1% QoQ
|
+0.76% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
99.79%
-1.6% YoY
-10.7% QoQ
|
+25.26% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.20%
-3.8% YoY
+3.3% QoQ
|
+1.81% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
1.17%
+189.0% YoY
+230.4% QoQ
|
+0.72% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.38%
+7.7% YoY
+50.8% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
99.79%
(Tier avg: 74.53%, National avg: 78.04%)
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
97
97th pctile
Total Loans
Current: $347.7M · Tier avg: $139.2M
91
91th pctile
Loan-to-Deposit Ratio
Current: 99.79% · Tier avg: 74.53%
90
90th pctile
Total Assets
Current: $415.3M · Tier avg: $217.5M
90
90th pctile
Total Deposits
Current: $348.4M · Tier avg: $183.7M
70
70th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.85%
65
65th pctile
Efficiency Ratio
Current: 60.91% · Tier avg: 67.73%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.20% · Tier avg: 22.39%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
21
21th pctile
Delinquency Rate
Current: 1.40% · Tier avg: 0.64%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.17% · Tier avg: 0.45%
Top Weaknesses
16
16th pctile
Nonperforming Asset Ratio
Current: 1.17% · Tier avg: 0.45%
21
21th pctile
Delinquency Rate
Current: 1.40% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.20% · Tier avg: 22.39%
65
65th pctile
Efficiency Ratio
Current: 60.91% · Tier avg: 67.73%
70
70th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.85%
90
90th pctile
Total Deposits
Current: $348.4M · Tier avg: $183.7M
90
90th pctile
Total Assets
Current: $415.3M · Tier avg: $217.5M
91
91th pctile
Loan-to-Deposit Ratio
Current: 99.79% · Tier avg: 74.53%
97
97th pctile
Total Loans
Current: $347.7M · Tier avg: $139.2M