BlastPoint's Banking Scorecard
Commercial Bank & Trust Company
Micro
Specialty: Commercial
AR
FDIC cert 90
Designations: ✓ Community bank
Monticello, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Commercial Bank & Trust Company faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.29% above tier
- - Nonperforming Asset Ratio 2.15% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$375.1M
+4.2% YoY
+3.8% QoQ
|
+$157.6M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$246.9M
+11.0% YoY
+4.5% QoQ
|
+$107.8M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$339.1M
+0.1% YoY
+1.7% QoQ
|
+$155.4M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
0.71%
+39.8% YoY
-0.5% QoQ
|
-0.37% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
2.87%
+11.8% YoY
+1.4% QoQ
|
-0.99% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
70.16%
-10.6% YoY
-0.0% QoQ
|
+2.44% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
3.93%
+578.1% YoY
+9.0% QoQ
|
+3.29% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
72.83%
+10.9% YoY
+2.8% QoQ
|
-1.70% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
19.55%
-6.1% YoY
-4.7% QoQ
|
-2.84% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
2.61%
+584.3% YoY
+9.6% QoQ
|
+2.15% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| 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 ? |
0.62%
+36.8% YoY
+27.3% QoQ
|
+0.06% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.93%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.61%
(Tier avg: 0.45%, National avg: 0.48%)
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
88
88th pctile
Total Deposits
Current: $339.1M · Tier avg: $183.7M
84
84th pctile
Total Assets
Current: $375.1M · Tier avg: $217.5M
84
84th pctile
Total Loans
Current: $246.9M · Tier avg: $139.2M
78
78th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Loan-to-Deposit Ratio
Current: 72.83% · Tier avg: 74.53%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.55% · Tier avg: 22.39%
39
39th pctile
Efficiency Ratio
Current: 70.16% · Tier avg: 67.73%
29
29th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
12
12th pctile
Net Interest Margin
Current: 2.87% · Tier avg: 3.85%
0
0th pctile
Delinquency Rate
Current: 3.93% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.61% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.61% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.93% · Tier avg: 0.64%
12
12th pctile
Net Interest Margin
Current: 2.87% · Tier avg: 3.85%
29
29th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
39
39th pctile
Efficiency Ratio
Current: 70.16% · Tier avg: 67.73%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.55% · Tier avg: 22.39%
43
43th pctile
Loan-to-Deposit Ratio
Current: 72.83% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
78
78th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.56%
84
84th pctile
Total Loans
Current: $246.9M · Tier avg: $139.2M
84
84th pctile
Total Assets
Current: $375.1M · Tier avg: $217.5M
88
88th pctile
Total Deposits
Current: $339.1M · Tier avg: $183.7M