BlastPoint's Banking Scorecard
Smackover State Bank
Micro
Specialty: Commercial
AR
FDIC cert 5623
Designations: ✓ Community bank
Smackover, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Smackover State 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
- - Net Interest Margin 1.08% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$251.4M
+5.9% YoY
-2.2% QoQ
|
+$33.9M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$171.9M
+15.1% YoY
-0.1% QoQ
|
+$32.7M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$205.6M
+6.0% YoY
-0.1% QoQ
|
+$21.9M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
1.01%
+151.2% YoY
+8.8% QoQ
|
-0.08% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
2.77%
+39.8% YoY
+3.3% QoQ
|
-1.08% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
57.27%
-28.2% YoY
+1.9% QoQ
|
-10.46% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
0.79%
+223.0% YoY
+529.9% QoQ
|
+0.15% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
83.62%
+8.6% YoY
+0.0% QoQ
|
+9.09% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
19.47%
-6.3% YoY
-7.7% QoQ
|
-2.92% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.55%
+219.1% YoY
+461.2% QoQ
|
+0.10% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
34% |
| 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 ? |
0.34%
+5.4% YoY
+49.1% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.77%
(Tier avg: 3.85%, National avg: 3.75%)
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
75
75th pctile
Efficiency Ratio
Current: 57.27% · Tier avg: 67.73%
67
67th pctile
Total Loans
Current: $171.9M · Tier avg: $139.2M
63
63th pctile
Total Assets
Current: $251.4M · Tier avg: $217.5M
61
61th pctile
Total Deposits
Current: $205.6M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
46
46th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.47% · Tier avg: 22.39%
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.62% · Tier avg: 74.53%
35
35th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.64%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.55% · Tier avg: 0.45%
10
10th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.85%
Top Weaknesses
10
10th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.85%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.55% · Tier avg: 0.45%
35
35th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.64%
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.62% · Tier avg: 74.53%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.47% · Tier avg: 22.39%
46
46th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
48
48th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Total Deposits
Current: $205.6M · Tier avg: $183.7M
63
63th pctile
Total Assets
Current: $251.4M · Tier avg: $217.5M
67
67th pctile
Total Loans
Current: $171.9M · Tier avg: $139.2M
75
75th pctile
Efficiency Ratio
Current: 57.27% · Tier avg: 67.73%