BlastPoint's Banking Scorecard
Bank of Bearden
Micro
Specialty: Commercial
AR
FDIC cert 16282
Designations: ✓ Community bank
Bearden, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Bank of Bearden has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 36.96% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.48% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$59.6M
+6.3% YoY
+8.6% QoQ
|
-$157.9M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$30.4M
+4.2% YoY
+1.3% QoQ
|
-$108.8M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$52.6M
+6.0% YoY
+9.5% QoQ
|
-$131.1M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
1.80%
-17.0% YoY
-10.1% QoQ
|
+0.72% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
4.38%
-2.9% YoY
-2.1% QoQ
|
+0.53% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
55.71%
+13.1% YoY
+7.5% QoQ
|
-12.01% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
57.79%
-1.7% YoY
-7.5% QoQ
|
-16.74% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
59.35%
+11.7% YoY
+7.0% QoQ
|
+36.96% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.09%
+91.9% YoY
+23.5% QoQ
|
-0.48% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
59.35%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 59.35% · Tier avg: 22.39%
85
85th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.08%
79
79th pctile
Efficiency Ratio
Current: 55.71% · Tier avg: 67.73%
79
79th pctile
Loan-to-Deposit Ratio
Current: 57.79% · Tier avg: 74.53%
75
75th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
11
11th pctile
Total Deposits
Current: $52.6M · Tier avg: $183.7M
11
11th pctile
Total Loans
Current: $30.4M · Tier avg: $139.2M
10
10th pctile
Total Assets
Current: $59.6M · Tier avg: $217.5M
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
Top Weaknesses
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
10
10th pctile
Total Assets
Current: $59.6M · Tier avg: $217.5M
11
11th pctile
Total Loans
Current: $30.4M · Tier avg: $139.2M
11
11th pctile
Total Deposits
Current: $52.6M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
75
75th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.85%
79
79th pctile
Loan-to-Deposit Ratio
Current: 57.79% · Tier avg: 74.53%
79
79th pctile
Efficiency Ratio
Current: 55.71% · Tier avg: 67.73%
85
85th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.08%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 59.35% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%