BlastPoint's Banking Scorecard
Central Bank
Community
Specialty: Commercial
AR
FDIC cert 1756
Little Rock, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
Central Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 32.06% below tier
- + Loan-to-Deposit Ratio 24.82% above tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 1% in Community
- - Margin Compression: Bottom 68% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$877.8M
+20.7% YoY
+3.3% QoQ
|
-$513.7M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$751.2M
+28.0% YoY
+6.9% QoQ
|
-$224.3M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$696.3M
+16.7% YoY
+1.7% QoQ
|
-$468.3M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
1.40%
-18.3% YoY
-18.4% QoQ
|
+0.24% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
3.46%
-6.3% YoY
-6.9% QoQ
|
-0.21% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
30.57%
-1.1% YoY
+9.6% QoQ
|
-32.06% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
1.73%
+72.8% YoY
+0.8% QoQ
|
+1.10% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
107.88%
+9.7% YoY
+5.1% QoQ
|
+24.82% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.90%
-33.2% YoY
-8.1% QoQ
|
-11.15% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
1.48%
+83.3% YoY
+4.3% QoQ
|
+0.98% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
10.28%
-7.7% YoY
-6.2% QoQ
|
+0.04% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.30%
-11.0% YoY
+25.1% QoQ
|
-0.44% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
30.57%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 5%
in Community
Why this stands out
Current:
107.88%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
NIB Deposit Bleed
decline
#2 of 89 · Bottom 1% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
9.90%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#82 of 120 · Bottom 68% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.40%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
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
99
99th pctile
Efficiency Ratio
Current: 30.57% · Tier avg: 62.63%
95
95th pctile
Loan-to-Deposit Ratio
Current: 107.88% · Tier avg: 83.06%
69
69th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.16%
53
53th pctile
Total Loans
Current: $751.2M · Tier avg: $975.5M
41
41th pctile
Total Assets
Current: $877.8M · Tier avg: $1.4B
40
40th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.66%
38
38th pctile
Total Deposits
Current: $696.3M · Tier avg: $1.2B
32
32th pctile
Tier 1 Capital Ratio
Current: 10.28% · Tier avg: 10.24%
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
12
12th pctile
Delinquency Rate
Current: 1.73% · Tier avg: 0.63%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.48% · Tier avg: 0.50%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.90% · Tier avg: 21.05%
Top Weaknesses
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.90% · Tier avg: 21.05%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.48% · Tier avg: 0.50%
12
12th pctile
Delinquency Rate
Current: 1.73% · Tier avg: 0.63%
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.28% · Tier avg: 10.24%
38
38th pctile
Total Deposits
Current: $696.3M · Tier avg: $1.2B
40
40th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.66%
41
41th pctile
Total Assets
Current: $877.8M · Tier avg: $1.4B
53
53th pctile
Total Loans
Current: $751.2M · Tier avg: $975.5M
69
69th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.16%
95
95th pctile
Loan-to-Deposit Ratio
Current: 107.88% · Tier avg: 83.06%
99
99th pctile
Efficiency Ratio
Current: 30.57% · Tier avg: 62.63%