BlastPoint's Banking Scorecard
First State Bank of DeQueen
Community
Specialty: Agricultural
AR
FDIC cert 21805
De Queen, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
First State Bank of DeQueen faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 13.21% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$502.1M
+21.8% YoY
+3.2% QoQ
|
-$889.4M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$280.3M
+13.1% YoY
+1.8% QoQ
|
-$695.2M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$451.9M
+24.7% YoY
+5.6% QoQ
|
-$712.7M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
1.40%
+20.3% YoY
-11.0% QoQ
|
+0.24% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
3.34%
+5.2% YoY
-0.2% QoQ
|
-0.32% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
56.04%
-10.1% YoY
+3.2% QoQ
|
-6.59% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
1.19%
-15.4% YoY
-8.0% QoQ
|
+0.57% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
62.02%
-9.3% YoY
-3.6% QoQ
|
-21.04% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.84%
-16.1% YoY
-6.0% QoQ
|
-13.21% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.67%
-21.5% YoY
-10.0% QoQ
|
+0.17% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
31% |
| 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 ? |
0.35%
-21.6% YoY
+22.7% QoQ
|
-0.39% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Community
Why this stands out
Current:
7.84%
(Tier avg: 21.05%, National avg: 21.79%)
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
90
90th pctile
Loan-to-Deposit Ratio
Current: 62.02% · Tier avg: 83.06%
70
70th pctile
Efficiency Ratio
Current: 56.04% · Tier avg: 62.63%
69
69th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.16%
32
32th pctile
Net Interest Margin
Current: 3.34% · Tier avg: 3.66%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
21
21th pctile
Delinquency Rate
Current: 1.19% · Tier avg: 0.63%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.84% · Tier avg: 21.05%
5
5th pctile
Total Deposits
Current: $451.9M · Tier avg: $1.2B
4
4th pctile
Total Loans
Current: $280.3M · Tier avg: $975.5M
0
0th pctile
Total Assets
Current: $502.1M · Tier avg: $1.4B
Top Weaknesses
0
0th pctile
Total Assets
Current: $502.1M · Tier avg: $1.4B
4
4th pctile
Total Loans
Current: $280.3M · Tier avg: $975.5M
5
5th pctile
Total Deposits
Current: $451.9M · Tier avg: $1.2B
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.84% · Tier avg: 21.05%
21
21th pctile
Delinquency Rate
Current: 1.19% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
32
32th pctile
Net Interest Margin
Current: 3.34% · Tier avg: 3.66%
69
69th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.16%
70
70th pctile
Efficiency Ratio
Current: 56.04% · Tier avg: 62.63%
90
90th pctile
Loan-to-Deposit Ratio
Current: 62.02% · Tier avg: 83.06%