BlastPoint's Banking Scorecard
First National Bank of Eastern Arkansas
Community
Specialty: Commercial
AR
FDIC cert 3863
Forrest City, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
First National Bank of Eastern Arkansas shows strong momentum with 3 strengths and 5.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.61% below tier
- + Non-Interest-Bearing Deposit Share 14.89% above tier
- + Nonperforming Asset Ratio 0.49% below 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 ? |
$595.9M
+5.7% YoY
+1.8% QoQ
|
-$795.6M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$357.6M
+11.6% YoY
-4.4% QoQ
|
-$617.8M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$523.7M
+4.7% YoY
+1.5% QoQ
|
-$640.9M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.42%
+8.8% YoY
+0.3% QoQ
|
+0.25% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
3.95%
+6.8% YoY
+0.8% QoQ
|
+0.28% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
58.49%
-5.1% YoY
-1.6% QoQ
|
-4.14% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
0.02%
-79.5% YoY
-70.9% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 8% in tier |
| Loan-to-Deposit Ratio ? |
68.30%
+6.6% YoY
-5.8% QoQ
|
-14.77% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
35.93%
-1.8% YoY
-0.6% QoQ
|
+14.89% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-78.4% YoY
-72.7% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
Top 7% in tier |
| 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 ? |
0.34%
-1.6% YoY
+25.7% QoQ
|
-0.40% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 8%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Community
Why this stands out
Current:
35.93%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 7%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
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
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 35.93% · Tier avg: 21.05%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
70
70th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.16%
68
68th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.66%
63
63th pctile
Efficiency Ratio
Current: 58.49% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
17
17th pctile
Loan-to-Deposit Ratio
Current: 68.30% · Tier avg: 83.06%
17
17th pctile
Total Deposits
Current: $523.7M · Tier avg: $1.2B
14
14th pctile
Total Assets
Current: $595.9M · Tier avg: $1.4B
9
9th pctile
Total Loans
Current: $357.6M · Tier avg: $975.5M
Top Weaknesses
9
9th pctile
Total Loans
Current: $357.6M · Tier avg: $975.5M
14
14th pctile
Total Assets
Current: $595.9M · Tier avg: $1.4B
17
17th pctile
Total Deposits
Current: $523.7M · Tier avg: $1.2B
17
17th pctile
Loan-to-Deposit Ratio
Current: 68.30% · Tier avg: 83.06%
29
29th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
63
63th pctile
Efficiency Ratio
Current: 58.49% · Tier avg: 62.63%
68
68th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.66%
70
70th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.16%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 35.93% · Tier avg: 21.05%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%