BlastPoint's Banking Scorecard
Arvest Bank
Large
Specialty: Commercial
AR
FDIC cert 8728
Fayetteville, AR
69
banks in Large tier nationally
2 in AR
View Large leaderboard (AR) →
Arvest Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 1% in Large
- + Non-Interest Income / Assets 0.84% above tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1% in Large
- - Credit Quality Pressure: Bottom 24% in Large
- - Credit Risk Growth: Bottom 32% in Large
- - Capital Thin: Bottom 35% in Large
- - Return on Assets 0.68% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$27.8B
+3.3% YoY
+1.6% QoQ
|
-$47.1B |
$74.9B
-4.4% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$19.6B
+8.1% YoY
+1.6% QoQ
|
-$26.9B |
$46.4B
-2.1% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$24.3B
+2.6% YoY
+1.3% QoQ
|
-$36.1B |
$60.5B
-4.5% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
0.51%
+158.4% YoY
+13.8% QoQ
|
-0.68% |
1.19%
+17.8% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
3.97%
+9.6% YoY
+1.0% QoQ
|
+0.50% |
3.46%
+13.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
83.51%
-5.5% YoY
-0.6% QoQ
|
+28.48% |
55.03%
-2.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
0.83%
+0.7% YoY
-1.4% QoQ
|
-0.05% |
0.88%
-0.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
80.37%
+5.4% YoY
+0.3% QoQ
|
-1.35% |
81.72%
+3.9% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
31.53%
-0.4% YoY
-2.4% QoQ
|
+11.56% |
19.97%
+0.5% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.63%
+8.5% YoY
-3.7% QoQ
|
+0.08% |
0.55%
+9.0% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
11.44%
+2.1% YoY
+1.1% QoQ
|
-1.89% |
13.33%
-0.7% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
Bottom 15% in tier |
| Non-Interest Income / Assets ? |
1.93%
-5.6% YoY
+35.0% QoQ
|
+0.84% |
1.09%
+2.4% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (2)
Deposit Franchise
growth
#1 of 2 · Top 1% in Large
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
31.53%
(Tier: 19.97%, National: 21.79%)
Net Interest Margin:
3.97%
(Tier: 3.46%, National: 3.75%)
2 of 2 Large banks match
·
176 nationally
→ Stable
+2 banks QoQ
Non-Interest Income / Assets
metric
Top 9%
in Large
Why this stands out
Current:
1.93%
(Tier avg: 1.09%, National avg: 0.65%)
Concerns (5)
Efficiency Drag
risk
#1 of 2 · Bottom 1% in Large
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
83.51%
(Tier: 55.03%, National: 65.09%)
2 of 2 Large banks match
·
163 nationally
→ Stable
-9 banks QoQ
Credit Quality Pressure
risk
#9 of 35 · Bottom 24% in Large
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.83%
(Tier: 0.88%, National: 0.66%)
35 of 35 Large banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#9 of 26 · Bottom 32% in Large
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
26 of 26 Large banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#7 of 18 · Bottom 35% in Large
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
11.44%
(Tier: 13.33%, National: 9.75%)
18 of 18 Large banks match
·
505 nationally
→ Stable
+11 banks QoQ
Return on Assets
metric
Bottom 7%
in Large
Why this stands out
Current:
0.51%
(Tier avg: 1.19%, National avg: 1.12%)
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
91
91th pctile
Non-Interest Income / Assets
Current: 1.93% · Tier avg: 1.09%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 31.53% · Tier avg: 19.97%
78
78th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.46%
60
60th pctile
Loan-to-Deposit Ratio
Current: 80.37% · Tier avg: 81.72%
48
48th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.88%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.63% · Tier avg: 0.55%
19
19th pctile
Total Loans
Current: $19.6B · Tier avg: $46.4B
19
19th pctile
Total Deposits
Current: $24.3B · Tier avg: $60.5B
15
15th pctile
Tier 1 Capital Ratio
Current: 11.44% · Tier avg: 13.33%
14
14th pctile
Total Assets
Current: $27.8B · Tier avg: $74.9B
7
7th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.19%
3
3th pctile
Efficiency Ratio
Current: 83.51% · Tier avg: 55.03%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 83.51% · Tier avg: 55.03%
7
7th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.19%
14
14th pctile
Total Assets
Current: $27.8B · Tier avg: $74.9B
15
15th pctile
Tier 1 Capital Ratio
Current: 11.44% · Tier avg: 13.33%
19
19th pctile
Total Deposits
Current: $24.3B · Tier avg: $60.5B
19
19th pctile
Total Loans
Current: $19.6B · Tier avg: $46.4B
33
33th pctile
Nonperforming Asset Ratio
Current: 0.63% · Tier avg: 0.55%
48
48th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.88%
60
60th pctile
Loan-to-Deposit Ratio
Current: 80.37% · Tier avg: 81.72%
78
78th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.46%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 31.53% · Tier avg: 19.97%
91
91th pctile
Non-Interest Income / Assets
Current: 1.93% · Tier avg: 1.09%