BlastPoint's Banking Scorecard
First Arkansas Bank and Trust
Community
Specialty: Commercial
AR
FDIC cert 16849
Jacksonville, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
First Arkansas Bank and Trust has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 21% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 47% in Community
- - Delinquency Rate 1.40% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+4.7% YoY
+6.4% QoQ
|
-$224.6M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$761.8M
-0.5% YoY
+2.7% QoQ
|
-$213.7M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$1.0B
+5.1% YoY
+6.4% QoQ
|
-$135.2M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
0.94%
+56.9% YoY
-1.3% QoQ
|
-0.23% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.57%
+13.7% YoY
+0.6% QoQ
|
-0.09% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
79.75%
-4.9% YoY
+0.6% QoQ
|
+17.12% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
2.03%
+70.4% YoY
+21.4% QoQ
|
+1.40% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
74.00%
-5.3% YoY
-3.5% QoQ
|
-9.06% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
13.73%
-9.7% YoY
-7.3% QoQ
|
-7.31% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
1.42%
+60.5% YoY
+14.7% QoQ
|
+0.92% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
2.95%
-14.5% YoY
+23.4% QoQ
|
+2.21% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#80 of 371 · Top 21% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.95%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.94%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (2)
Capital Thin
risk
#204 of 432 · Bottom 47% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Bottom 9%
in Community
Why this stands out
Current:
2.03%
(Tier avg: 0.63%, 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
97
97th pctile
Non-Interest Income / Assets
Current: 2.95% · Tier avg: 0.74%
74
74th pctile
Loan-to-Deposit Ratio
Current: 74.00% · Tier avg: 83.06%
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
54
54th pctile
Total Loans
Current: $761.8M · Tier avg: $975.5M
45
45th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.66%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.73% · Tier avg: 21.05%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.42% · Tier avg: 0.50%
11
11th pctile
Efficiency Ratio
Current: 79.75% · Tier avg: 62.63%
9
9th pctile
Delinquency Rate
Current: 2.03% · Tier avg: 0.63%
Top Weaknesses
9
9th pctile
Delinquency Rate
Current: 2.03% · Tier avg: 0.63%
11
11th pctile
Efficiency Ratio
Current: 79.75% · Tier avg: 62.63%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.42% · Tier avg: 0.50%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.73% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
45
45th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.66%
54
54th pctile
Total Loans
Current: $761.8M · Tier avg: $975.5M
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
74
74th pctile
Loan-to-Deposit Ratio
Current: 74.00% · Tier avg: 83.06%
97
97th pctile
Non-Interest Income / Assets
Current: 2.95% · Tier avg: 0.74%