BlastPoint's Banking Scorecard

United Bank

Micro Specialty: Commercial AR FDIC cert 32025

Designations: ✓ Community bank

Springdale, AR

2498 banks in Micro tier nationally 40 in AR

View Micro leaderboard (AR) →

United Bank shows stable performance across key metrics

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

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 ?	$297.8M +2.9% YoY -2.9% QoQ	+$80.4M	$217.5M +2.3% YoY	$2.3B +2.4% YoY	$5.9B +6.5% YoY	72%
Total Loans ?	$252.4M +5.1% YoY -0.3% QoQ	+$113.2M	$139.2M +2.8% YoY	$1.6B +6.2% YoY	$3.1B +8.5% YoY	Top 15% in tier
Total Deposits ?	$263.3M +9.2% YoY +0.4% QoQ	+$79.7M	$183.7M +1.8% YoY	$1.9B +3.0% YoY	$4.7B +6.3% YoY	74%
Return on Assets ?	0.91% +82.3% YoY +5.7% QoQ	-0.18%	1.08% +14.7% YoY	1.19% +9.0% YoY	1.12% +15.6% YoY	40%
Net Interest Margin ?	4.26% +16.0% YoY +1.9% QoQ	+0.40%	3.85% +6.6% YoY	4.00% +8.5% YoY	3.75% +7.1% YoY	70%
Efficiency Ratio ?	74.64% -11.0% YoY -0.7% QoQ	+6.91%	67.73% -4.8% YoY	63.04% -5.8% YoY	65.09% -5.1% YoY	29%
Delinquency Rate ?	0.13% -55.4% YoY -7.9% QoQ	-0.51%	0.64% +24.4% YoY	0.91% +44.6% YoY	0.66% +20.3% YoY	68%
Loan-to-Deposit Ratio ?	95.84% -3.8% YoY -0.8% QoQ	+21.31%	74.53% +0.5% YoY	80.90% +1.0% YoY	78.04% +0.7% YoY	Bottom 14% in tier
Non-Interest-Bearing Deposit Share ?	11.80% -27.8% YoY -13.2% QoQ	-10.60%	22.39% -1.3% YoY	19.14% -0.5% YoY	21.79% -1.3% YoY	15%
Nonperforming Asset Ratio ?	0.11% -54.5% YoY -15.4% QoQ	-0.34%	0.45% +25.1% YoY	0.66% +38.2% YoY	0.48% +20.8% YoY	66%
Tier 1 Capital Ratio ?	12.55% -3.9% YoY +3.2% QoQ	+3.70%	8.85% -3.4% YoY	7.07% -13.2% YoY	9.75% -1.9% YoY	61%
Non-Interest Income / Assets ?	0.20% +3.6% YoY +40.6% QoQ	-0.37%	0.56% +0.3% YoY	0.76% -21.3% YoY	0.65% +0.6% YoY	23%

Signature Analysis

Strengths (0)

No strengths identified

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%

Compare against:

Comparing against 2498 peers in Micro tier

Top Strengths

Total Loans

Current: $252.4M · Tier avg: $139.2M

85th pctile

Total Deposits

Current: $263.3M · Tier avg: $183.7M

74th pctile

Total Assets

Current: $297.8M · Tier avg: $217.5M

72th pctile

Net Interest Margin

Current: 4.26% · Tier avg: 3.85%

70th pctile

Delinquency Rate

Current: 0.13% · Tier avg: 0.64%

68th pctile

Nonperforming Asset Ratio

Current: 0.11% · Tier avg: 0.45%

66th pctile

Tier 1 Capital Ratio

Current: 12.55% · Tier avg: 8.85%

61th pctile

Return on Assets

Current: 0.91% · Tier avg: 1.08%

40th pctile

Efficiency Ratio

Current: 74.64% · Tier avg: 67.73%

29th pctile

Non-Interest Income / Assets

Current: 0.20% · Tier avg: 0.56%

23th pctile

Non-Interest-Bearing Deposit Share

Current: 11.80% · Tier avg: 22.39%

15th pctile

Loan-to-Deposit Ratio

Current: 95.84% · Tier avg: 74.53%

14th pctile

Top Weaknesses