BlastPoint's Banking Scorecard
Bank of Delight
Micro
Specialty: Agricultural
AR
FDIC cert 99
Designations: ✓ Community bank
Delight, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Bank of Delight has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.05% above tier
- + Efficiency Ratio 20.16% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 32.35% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$195.2M
+6.0% YoY
+2.3% QoQ
|
-$22.3M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$176.5M
+14.0% YoY
+2.7% QoQ
|
+$37.4M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$165.2M
+10.3% YoY
+3.9% QoQ
|
-$18.5M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
2.13%
-0.6% YoY
-4.1% QoQ
|
+1.05% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.35%
-1.4% YoY
+2.2% QoQ
|
+0.50% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
47.57%
-1.3% YoY
+2.8% QoQ
|
-20.16% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.49%
+46.3% YoY
-55.8% QoQ
|
-0.15% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
106.88%
+3.4% YoY
-1.1% QoQ
|
+32.35% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.06%
-2.1% YoY
+1.8% QoQ
|
-7.33% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.58%
-5.2% YoY
-49.1% QoQ
|
+0.13% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
33% |
| 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 ? |
0.13%
-26.0% YoY
+29.3% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.13%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
47.57%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
106.88%
(Tier avg: 74.53%, National avg: 78.04%)
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
93
93th pctile
Return on Assets
Current: 2.13% · Tier avg: 1.08%
93
93th pctile
Efficiency Ratio
Current: 47.57% · Tier avg: 67.73%
74
74th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.85%
68
68th pctile
Total Loans
Current: $176.5M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Assets
Current: $195.2M · Tier avg: $217.5M
50
50th pctile
Total Deposits
Current: $165.2M · Tier avg: $183.7M
46
46th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.64%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.45%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 15.06% · Tier avg: 22.39%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
5
5th pctile
Loan-to-Deposit Ratio
Current: 106.88% · Tier avg: 74.53%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 106.88% · Tier avg: 74.53%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 15.06% · Tier avg: 22.39%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.45%
46
46th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.64%
50
50th pctile
Total Deposits
Current: $165.2M · Tier avg: $183.7M
50
50th pctile
Total Assets
Current: $195.2M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Total Loans
Current: $176.5M · Tier avg: $139.2M
74
74th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.85%
93
93th pctile
Efficiency Ratio
Current: 47.57% · Tier avg: 67.73%
93
93th pctile
Return on Assets
Current: 2.13% · Tier avg: 1.08%