BlastPoint's Banking Scorecard
Signature Bank of Arkansas
Community
Specialty: Commercial
AR
FDIC cert 89
Fayetteville, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
Signature Bank of Arkansas has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 74% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+18.2% YoY
+2.3% QoQ
|
+$131.9M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$1.3B
+17.4% YoY
+0.6% QoQ
|
+$275.2M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$1.3B
+20.8% YoY
+2.8% QoQ
|
+$160.3M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
1.09%
+57.9% YoY
+6.6% QoQ
|
-0.07% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
3.77%
+11.7% YoY
+1.3% QoQ
|
+0.11% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
61.85%
-14.3% YoY
-1.1% QoQ
|
-0.78% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
94.39%
-2.8% YoY
-2.1% QoQ
|
+11.33% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
17.31%
-13.0% YoY
-6.2% QoQ
|
-3.74% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
10.78%
-6.3% YoY
+2.8% QoQ
|
+0.54% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.53%
-5.0% YoY
+33.0% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
NIB Deposit Bleed
decline
#66 of 89 · Bottom 74% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
17.31%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
76
76th pctile
Loan-to-Deposit Ratio
Current: 94.39% · Tier avg: 83.06%
75
75th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
59
59th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
51
51th pctile
Efficiency Ratio
Current: 61.85% · Tier avg: 62.63%
46
46th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.16%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.31% · Tier avg: 21.05%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.78% · Tier avg: 10.24%
Top Weaknesses
35
35th pctile
Tier 1 Capital Ratio
Current: 10.78% · Tier avg: 10.24%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.31% · Tier avg: 21.05%
46
46th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.16%
51
51th pctile
Efficiency Ratio
Current: 61.85% · Tier avg: 62.63%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
59
59th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
75
75th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
76
76th pctile
Loan-to-Deposit Ratio
Current: 94.39% · Tier avg: 83.06%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%