BlastPoint's Banking Scorecard
Bank of 1889
Micro
Specialty: Other
AR
FDIC cert 3854
Designations: ✓ Community bank
Berryville, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Bank of 1889 shows strong momentum with 2 strengths and 10.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.92% above tier
- + Net Interest Margin 2.49% above tier
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 ? |
$330.7M
+10.0% YoY
+5.4% QoQ
|
+$113.2M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$252.7M
+5.5% YoY
+0.5% QoQ
|
+$113.5M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 15% in tier |
| Total Deposits ? |
$291.9M
+10.4% YoY
+6.5% QoQ
|
+$108.3M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
2.00%
-1.9% YoY
-5.9% QoQ
|
+0.92% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
6.35%
+0.3% YoY
-0.0% QoQ
|
+2.49% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
65.26%
+1.3% YoY
+2.8% QoQ
|
-2.47% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
1.01%
-45.7% YoY
-9.4% QoQ
|
+0.38% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
86.57%
-4.4% YoY
-5.6% QoQ
|
+12.04% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
15.80%
-0.8% YoY
-5.9% QoQ
|
-6.59% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.81%
-47.9% YoY
-13.2% QoQ
|
+0.36% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.41%
-11.7% YoY
+25.1% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.00%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.35%
(Tier avg: 3.85%, National avg: 3.75%)
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%
Top Strengths
99
99th pctile
Net Interest Margin
Current: 6.35% · Tier avg: 3.85%
91
91th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.08%
85
85th pctile
Total Loans
Current: $252.7M · Tier avg: $139.2M
80
80th pctile
Total Deposits
Current: $291.9M · Tier avg: $183.7M
78
78th pctile
Total Assets
Current: $330.7M · Tier avg: $217.5M
70
70th pctile
Loan-to-Deposit Ratio
Current: 86.57% · Tier avg: 74.53%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
52
52th pctile
Efficiency Ratio
Current: 65.26% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
28
28th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.64%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.80% · Tier avg: 22.39%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.81% · Tier avg: 0.45%
Top Weaknesses
25
25th pctile
Nonperforming Asset Ratio
Current: 0.81% · Tier avg: 0.45%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.80% · Tier avg: 22.39%
28
28th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Efficiency Ratio
Current: 65.26% · Tier avg: 67.73%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
70
70th pctile
Loan-to-Deposit Ratio
Current: 86.57% · Tier avg: 74.53%
78
78th pctile
Total Assets
Current: $330.7M · Tier avg: $217.5M
80
80th pctile
Total Deposits
Current: $291.9M · Tier avg: $183.7M
85
85th pctile
Total Loans
Current: $252.7M · Tier avg: $139.2M
91
91th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.08%
99
99th pctile
Net Interest Margin
Current: 6.35% · Tier avg: 3.85%