BlastPoint's Banking Scorecard
Eagle Bank and Trust Company
Micro
Specialty: Commercial
AR
FDIC cert 3873
Designations: ✓ Community bank
Little Rock, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Eagle Bank and Trust Company demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 2.90% 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 ? |
$498.1M
+3.6% YoY
+3.9% QoQ
|
+$280.6M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$210.1M
+10.7% YoY
+1.4% QoQ
|
+$70.9M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$427.4M
+2.1% YoY
+4.3% QoQ
|
+$243.8M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
0.70%
+12.7% YoY
-7.9% QoQ
|
-0.39% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
3.46%
+10.6% YoY
+0.6% QoQ
|
-0.39% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
85.40%
-3.1% YoY
-1.2% QoQ
|
+17.68% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.69%
+13.8% YoY
-25.9% QoQ
|
+0.05% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
49.15%
+8.4% YoY
-2.8% QoQ
|
-25.38% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.84%
+4.0% YoY
+2.4% QoQ
|
-0.55% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.37%
+51.1% YoY
-9.6% QoQ
|
-0.09% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
45% |
| 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 ? |
3.46%
+0.9% YoY
+28.5% QoQ
|
+2.90% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
3.46%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Total Assets
Current: $498.1M · Tier avg: $217.5M
99
99th pctile
Total Deposits
Current: $427.4M · Tier avg: $183.7M
98
98th pctile
Non-Interest Income / Assets
Current: 3.46% · Tier avg: 0.56%
76
76th pctile
Total Loans
Current: $210.1M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.84% · Tier avg: 22.39%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
38
38th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.64%
32
32th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.85%
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
13
13th pctile
Efficiency Ratio
Current: 85.40% · Tier avg: 67.73%
12
12th pctile
Loan-to-Deposit Ratio
Current: 49.15% · Tier avg: 74.53%
Top Weaknesses
12
12th pctile
Loan-to-Deposit Ratio
Current: 49.15% · Tier avg: 74.53%
13
13th pctile
Efficiency Ratio
Current: 85.40% · Tier avg: 67.73%
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
32
32th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.85%
38
38th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.64%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.84% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
76
76th pctile
Total Loans
Current: $210.1M · Tier avg: $139.2M
98
98th pctile
Non-Interest Income / Assets
Current: 3.46% · Tier avg: 0.56%
99
99th pctile
Total Deposits
Current: $427.4M · Tier avg: $183.7M
100
100th pctile
Total Assets
Current: $498.1M · Tier avg: $217.5M