BlastPoint's Banking Scorecard
Today's Bank
Micro
Specialty: Commercial
AR
FDIC cert 33470
Designations: ✓ Community bank
Huntsville, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Today's Bank 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 14.88% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$350.6M
+4.4% YoY
+4.0% QoQ
|
+$133.1M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$232.3M
-2.2% YoY
+5.3% QoQ
|
+$93.1M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$301.1M
+4.5% YoY
+3.9% QoQ
|
+$117.4M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
0.68%
+5.7% QoQ
|
-0.40% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
3.67%
+4.6% YoY
+1.9% QoQ
|
-0.18% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
80.94%
-5.9% YoY
-1.4% QoQ
|
+13.21% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
0.23%
-86.1% YoY
-10.8% QoQ
|
-0.41% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
77.15%
-6.4% YoY
+1.3% QoQ
|
+2.62% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
7.51%
-9.3% YoY
+13.7% QoQ
|
-14.88% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.37%
-69.2% YoY
-0.4% QoQ
|
-0.09% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
13.38%
+4.6% YoY
-4.5% QoQ
|
+4.52% |
8.85%
-3.4% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.20%
-12.4% YoY
+7.1% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.51%
(Tier avg: 22.39%, 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
82
82th pctile
Total Loans
Current: $232.3M · Tier avg: $139.2M
81
81th pctile
Total Deposits
Current: $301.1M · Tier avg: $183.7M
81
81th pctile
Total Assets
Current: $350.6M · Tier avg: $217.5M
65
65th pctile
Tier 1 Capital Ratio
Current: 13.38% · Tier avg: 8.85%
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
52
52th pctile
Loan-to-Deposit Ratio
Current: 77.15% · Tier avg: 74.53%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
27
27th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.08%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
20
20th pctile
Efficiency Ratio
Current: 80.94% · Tier avg: 67.73%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.51% · Tier avg: 22.39%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.51% · Tier avg: 22.39%
20
20th pctile
Efficiency Ratio
Current: 80.94% · Tier avg: 67.73%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
27
27th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.08%
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
52
52th pctile
Loan-to-Deposit Ratio
Current: 77.15% · Tier avg: 74.53%
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.38% · Tier avg: 8.85%
81
81th pctile
Total Assets
Current: $350.6M · Tier avg: $217.5M
81
81th pctile
Total Deposits
Current: $301.1M · Tier avg: $183.7M
82
82th pctile
Total Loans
Current: $232.3M · Tier avg: $139.2M