BlastPoint's Banking Scorecard
First National Bank
Community
Specialty: Commercial
AR
FDIC cert 3887
Paragould, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
First National 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
- - Liquidity Strain: Bottom 21% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+3.2% YoY
-0.2% QoQ
|
+$1.2B |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$2.0B
+3.3% YoY
-0.6% QoQ
|
+$1.0B |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$2.1B
+3.0% YoY
+0.1% QoQ
|
+$951.3M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
1.02%
+0.2% YoY
-4.7% QoQ
|
-0.14% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.59%
+6.2% YoY
+1.6% QoQ
|
-0.07% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
58.93%
-6.6% YoY
+0.9% QoQ
|
-3.70% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
0.31%
-14.9% YoY
-4.0% QoQ
|
-0.32% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
94.59%
+0.3% YoY
-0.7% QoQ
|
+11.52% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
11.77%
-2.5% YoY
+8.2% QoQ
|
-9.27% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? |
0.25%
-14.0% YoY
-6.1% QoQ
|
-0.25% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
13.55%
+1.7% YoY
-0.2% QoQ
|
+3.30% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.64%
-2.8% YoY
+39.4% QoQ
|
-0.10% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#110 of 513 · Bottom 21% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
94.59%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 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
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
86
86th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
77
77th pctile
Loan-to-Deposit Ratio
Current: 94.59% · Tier avg: 83.06%
65
65th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
63
63th pctile
Tier 1 Capital Ratio
Current: 13.55% · Tier avg: 10.24%
61
61th pctile
Efficiency Ratio
Current: 58.93% · Tier avg: 62.63%
60
60th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
46
46th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.66%
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.77% · Tier avg: 21.05%
Top Weaknesses
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.77% · Tier avg: 21.05%
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
46
46th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.66%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
60
60th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
61
61th pctile
Efficiency Ratio
Current: 58.93% · Tier avg: 62.63%
63
63th pctile
Tier 1 Capital Ratio
Current: 13.55% · Tier avg: 10.24%
65
65th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
77
77th pctile
Loan-to-Deposit Ratio
Current: 94.59% · Tier avg: 83.06%
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
86
86th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M