BlastPoint's Banking Scorecard
FBT Bank & Mortgage
Fordyce, AR
5 branches across AR
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in AR.
- Deposits -0.5% year over year ($222.1M on the books).
- Delinquency rate 0.70%.
- Return on assets 1.41%.
- Efficiency ratio 71.33% vs a 64.48% peer average.
- Loan-to-deposit ratio 70.23% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
FBT Bank & Mortgage has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.08% above tier average
- + Net Interest Margin 0.42% above tier average
- + Delinquency Rate 0.21% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 32.7% in tier
- - Efficiency Ratio 6.85% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$263.6M
+2.9% YoY
+5.2% QoQ
|
-$123.0M |
$386.6M
+1.2% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
39% |
| Total Loans ? |
$156.0M
+5.8% YoY
+1.5% QoQ
|
-$102.3M |
$258.3M
+1.7% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
37% |
| Total Deposits ? |
$222.1M
-0.5% YoY
+5.6% QoQ
|
-$104.6M |
$326.7M
+0.7% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
1.41%
+28.5% YoY
-5.7% QoQ
|
+0.08% |
1.32%
+10.8% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
59% |
| Net Interest Margin ? |
4.41%
+11.4% YoY
-1.9% QoQ
|
+0.42% |
3.99%
+5.0% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
75% |
| Efficiency Ratio ? |
71.33%
-4.9% YoY
+1.3% QoQ
|
+6.85% |
64.48%
-3.2% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
0.70%
-19.2% YoY
-30.3% QoQ
|
-0.21% |
0.92%
+15.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
70.23%
+6.3% YoY
-3.9% QoQ
|
-7.72% |
77.95%
+1.0% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
26.34%
-0.0% YoY
-7.0% QoQ
|
+4.31% |
22.03%
-0.6% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.44%
-12.0% YoY
-28.7% QoQ
|
-0.23% |
0.67%
+16.4% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
10.39%
+5.7% YoY
-1.7% QoQ
|
-5.52% |
15.91%
+1.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
15% |
| Non-Interest Income / Assets ? |
0.34%
+0.2% YoY
+85.1% QoQ
|
-0.23% |
0.57%
+7.6% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
78% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.3%
0.0pp YoY -2.0pp QoQ |
+4.2pp | 22.1% | 19.6% | 22.2% | 71% |
| Brokered Deposits |
5.5%
-0.5pp YoY |
-2.3pp | 7.9% | 7.2% | 8.5% | 56% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
20.1%
-7.7pp YoY -2.4pp QoQ |
+8.5pp | 11.6% | 12.7% | 12.5% | 88% |
| CRE |
35.0%
+5.1pp YoY +1.9pp QoQ |
-4.6pp | 39.5% | 41.0% | 41.4% | 43% |
| 1-4 Family |
30.2%
+2.7pp YoY +2.5pp QoQ |
-2.4pp | 32.6% | 28.1% | 31.3% | 52% |
| Consumer |
7.1%
-1.0pp YoY -0.7pp QoQ |
+3.0pp | 4.1% | 4.5% | 5.0% | 86% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
10.4%
+0.6pp YoY -0.2pp QoQ |
-1.8pp | 12.2% | 11.9% | 12.6% | 39% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
55
0 YoY -1 (-1.8%) QoQ |
-4 | 58 | 315 | 482 | 58% |
| Assets per Employee ($) |
$4.8M
+2.9% YoY +7.1% QoQ |
-$2.7M | $7.5M | $6.7M | $8.8M | 12% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 25 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.2pp YoY -0.1pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.4% | 33% |
| Nonaccrual |
0.7%
+0.1pp YoY -0.2pp QoQ |
-0.3pp | 0.9% | 1.1% | 1.0% | 61% |
| Allowance Coverage |
1.96x
+11.7% YoY +32.9% QoQ |
-22.19x | 24.15x | 4.69x | 20.23x | 47% |
| Net Charge-off Rate (YTD) |
0.3%
+0.3pp YoY 0.0pp QoQ |
+0.2pp | 0.1% | 0.2% | 0.2% | 91% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
21.3%
+0.1pp YoY -1.3pp QoQ |
+9.1pp | 12.2% | 12.3% | 11.6% | 91% |
| Cost of Funds (YTD) |
1.9%
-0.3pp YoY +0.1pp QoQ |
+0.1pp | 1.7% | 2.0% | 1.7% | 62% |
| Net Income ($, YTD) |
$1.8M
+28.3% YoY — QoQ |
-$771K | $2.6M | $16.0M | $40.4M | 48% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.