BlastPoint's Banking Scorecard
Bank of Cave City
Cave City, 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 +1.7% year over year ($171.9M on the books).
- Delinquency rate 1.63%.
- Return on assets 0.78%.
- Efficiency ratio 81.11% vs a 64.48% peer average.
- Loan-to-deposit ratio 76.18% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Cave City has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.36% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 2.8% in tier
- - Margin Compression: Bottom 5.5% in tier
- - Flatlined Growth: Bottom 38.9% in tier
- - Liquidity Overhang: Bottom 39.6% in tier
- - NIB Deposit Bleed: Bottom 74.7% in tier
- - Delinquency Rate 0.71% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$194.4M
+1.8% YoY
+2.5% QoQ
|
-$192.2M |
$386.6M
+1.2% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
25% |
| Total Loans ? |
$130.9M
+2.3% YoY
+5.3% QoQ
|
-$127.4M |
$258.3M
+1.7% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$171.9M
+1.7% YoY
+2.7% QoQ
|
-$154.9M |
$326.7M
+0.7% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
27% |
| Return on Assets ? |
0.78%
-30.7% YoY
+3.2% QoQ
|
-0.54% |
1.32%
+10.8% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
22% |
| Net Interest Margin ? |
4.35%
+5.0% YoY
+0.7% QoQ
|
+0.36% |
3.99%
+5.0% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
72% |
| Efficiency Ratio ? |
81.11%
+8.8% YoY
-0.5% QoQ
|
+16.63% |
64.48%
-3.2% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 12.4% in tier |
| Delinquency Rate ? |
1.63%
-0.1% YoY
-11.2% QoQ
|
+0.71% |
0.92%
+15.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
76.18%
+0.6% YoY
+2.5% QoQ
|
-1.77% |
77.95%
+1.0% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
13.38%
-13.7% YoY
+1.2% QoQ
|
-8.65% |
22.03%
-0.6% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
19% |
| Nonperforming Asset Ratio ? |
1.22%
-0.4% YoY
-8.3% QoQ
|
+0.55% |
0.67%
+16.4% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
20.62%
-3.1% YoY
+2.5% QoQ
|
+4.71% |
15.91%
+1.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
Top 12.4% in tier |
| Non-Interest Income / Assets ? |
0.39%
+5.9% YoY
+103.1% QoQ
|
-0.18% |
0.57%
+7.6% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
84% |
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 |
13.4%
-2.1pp YoY +0.2pp QoQ |
-8.8pp | 22.1% | 19.6% | 22.2% | 18% |
| Brokered Deposits |
0.8%
-0.1pp YoY 0.0pp QoQ |
-7.1pp | 7.9% | 7.2% | 8.5% | 15% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.1%
-0.5pp YoY -0.6pp QoQ |
-5.5pp | 11.6% | 12.7% | 12.5% | 26% |
| CRE |
17.7%
+5.1pp YoY +2.2pp QoQ |
-21.9pp | 39.5% | 41.0% | 41.4% | 14% |
| 1-4 Family |
16.7%
-1.0pp YoY -0.7pp QoQ |
-15.9pp | 32.6% | 28.1% | 31.3% | 23% |
| Consumer |
3.3%
-0.7pp YoY -0.3pp QoQ |
-0.8pp | 4.1% | 4.5% | 5.0% | 63% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.6%
-0.6pp YoY +0.5pp QoQ |
+1.8pp | 18.8% | 15.1% | 19.7% | 80% |
| Leverage Ratio |
8.4%
0.0pp YoY -0.2pp QoQ |
-3.8pp | 12.2% | 11.9% | 12.6% | 5% |
| Total Capital Ratio |
21.8%
-0.7pp YoY +0.5pp QoQ |
+1.9pp | 19.9% | 16.3% | 20.8% | 80% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
48
+8 (+20.0%) YoY +4 (+9.1%) QoQ |
-11 | 58 | 315 | 482 | 50% |
| Assets per Employee ($) |
$4.0M
-15.1% YoY -6.0% QoQ |
-$3.5M | $7.5M | $6.7M | $8.8M | 5% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 25 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.4pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.4% | 3% |
| Nonaccrual |
1.6%
+0.4pp YoY -0.2pp QoQ |
+0.7pp | 0.9% | 1.1% | 1.0% | 83% |
| Allowance Coverage |
0.40x
-1.1% YoY +6.0% QoQ |
-23.76x | 24.15x | 4.69x | 20.23x | 6% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY 0.0pp QoQ |
0.0pp | 0.1% | 0.2% | 0.2% | 79% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.0%
-8.8pp YoY +0.5pp QoQ |
+0.8pp | 12.2% | 12.3% | 11.6% | 56% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 2.0% | 1.7% | 72% |
| Net Income ($, YTD) |
$747,000
-31.2% YoY — QoQ |
-$1.8M | $2.6M | $16.0M | $40.4M | 18% |
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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 (5)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.