BlastPoint's Banking Scorecard
Anstaff Bank
Community
Specialty: Agricultural
AR
FDIC cert 3869
Green Forest, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
Anstaff Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 21% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8% in Community
- - Credit Risk Growth: Bottom 41% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+7.3% YoY
-0.4% QoQ
|
-$249.1M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$839.8M
+9.9% YoY
+2.0% QoQ
|
-$135.7M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$1.0B
+6.2% YoY
-0.6% QoQ
|
-$138.7M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
1.71%
+44.6% YoY
+3.1% QoQ
|
+0.54% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
3.73%
+19.5% YoY
+2.1% QoQ
|
+0.06% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
55.24%
-14.0% YoY
-2.7% QoQ
|
-7.39% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.17%
+12.0% YoY
-12.1% QoQ
|
-0.46% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
81.85%
+3.5% YoY
+2.6% QoQ
|
-1.21% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
13.06%
+0.4% YoY
-2.9% QoQ
|
-7.99% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.17%
+52.0% YoY
-0.3% QoQ
|
-0.33% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
12.47%
+4.4% YoY
+0.9% QoQ
|
+2.23% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.53%
-8.3% YoY
+35.1% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#80 of 371 · Top 21% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.71%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (2)
Credit Quality Pressure
risk
#69 of 808 · Bottom 8% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.17%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#266 of 642 · Bottom 41% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
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
84
84th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.16%
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
72
72th pctile
Efficiency Ratio
Current: 55.24% · Tier avg: 62.63%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
60
60th pctile
Total Loans
Current: $839.8M · Tier avg: $975.5M
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
55
55th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.66%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.47% · Tier avg: 10.24%
51
51th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
42
42th pctile
Loan-to-Deposit Ratio
Current: 81.85% · Tier avg: 83.06%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.06% · Tier avg: 21.05%
Top Weaknesses
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.06% · Tier avg: 21.05%
42
42th pctile
Loan-to-Deposit Ratio
Current: 81.85% · Tier avg: 83.06%
51
51th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.47% · Tier avg: 10.24%
55
55th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.66%
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
60
60th pctile
Total Loans
Current: $839.8M · Tier avg: $975.5M
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
69
69th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
72
72th pctile
Efficiency Ratio
Current: 55.24% · Tier avg: 62.63%
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
84
84th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.16%