BlastPoint's Banking Scorecard

Bank of Cave City

$100M-$1B Specialty: Agricultural AR FDIC cert 105

Cave City, AR

5 branches across AR

2664 banks in the $100M-$1B peer group nationally 50 in AR

Bank of Cave City has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.39% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 4.9% in tier
- Efficiency Drag: Bottom 6.8% in tier
- Liquidity Overhang: Bottom 43.3% in tier
- Delinquency Rate 0.95% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$189.6M -3.0% YoY -0.1% QoQ	-$196.5M	$386.1M +0.5% YoY	$2.3B +2.8% YoY	$6.2B +9.1% YoY	24%
Total Loans ?	$124.3M -5.7% YoY +0.8% QoQ	-$131.4M	$255.7M +1.1% YoY	$1.7B +6.4% YoY	$3.2B +10.8% YoY	27%
Total Deposits ?	$167.3M +1.0% YoY +0.1% QoQ	-$160.7M	$328.0M +0.1% YoY	$1.9B +3.0% YoY	$4.8B +8.2% YoY	26%
Return on Assets ?	0.76% -24.2% YoY -31.8% QoQ	-0.51%	1.27% +12.9% YoY	1.34% +14.2% YoY	1.23% +13.4% YoY	24%
Net Interest Margin ?	4.32% +9.1% YoY +0.7% QoQ	+0.39%	3.93% +6.0% YoY	4.08% +8.2% YoY	3.89% +5.7% YoY	74%
Efficiency Ratio ?	81.50% +6.6% YoY +7.7% QoQ	+16.22%	65.29% -4.5% YoY	61.77% -4.8% YoY	66.95% -4.1% YoY	Bottom 13.6% in tier
Delinquency Rate ?	1.84% +46.7% YoY -8.2% QoQ	+0.95%	0.89% +18.8% YoY	1.02% +24.4% YoY	0.95% +18.8% YoY	Bottom 14.2% in tier
Loan-to-Deposit Ratio ?	74.30% -6.6% YoY +0.7% QoQ	-2.33%	76.64% +0.8% YoY	80.49% +1.3% YoY	76.70% +0.9% YoY	59%
Non-Interest-Bearing Deposit Share ?	13.23% +2.2% YoY -6.4% QoQ	-8.79%	22.02% -1.0% YoY	19.62% +0.8% YoY	22.01% -1.2% YoY	18%
Nonperforming Asset Ratio ?	1.33% +37.0% YoY -6.8% QoQ	+0.69%	0.64% +19.7% YoY	0.79% +32.8% YoY	0.67% +19.3% YoY	Bottom 13.8% in tier
Tier 1 Capital Ratio ?	20.12% +0.2% YoY -8.0% QoQ	+4.29%	15.83% +1.5% YoY	13.59% +0.0% YoY	17.06% +0.8% YoY	Top 13.0% in tier
Non-Interest Income / Assets ?	0.19% +6.6% YoY -74.9% QoQ	-0.09%	0.28% +9.3% YoY	0.18% -3.1% YoY	0.32% +4.1% YoY	84%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Margin Compression

decline

#16 of 305 • Bottom 4.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.76%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#29 of 414 • Bottom 6.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.50%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Liquidity Overhang

risk

#321 of 739 • Bottom 43.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 20.12%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 74.30%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

348

Tier 1 Capital Ratio

capital

Value: 20.12%

Peer Median: 15.83%

#348 of 2664 Top 13.0% in $100M-$1B

416

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#416 of 2664 Top 15.6% in $100M-$1B

Top Weaknesses (6 metrics)

2304

Efficiency Ratio

profitability

Value: 81.50%

Peer Median: 65.29%

#2304 of 2664 Bottom 13.6% in $100M-$1B

2297

Nonperforming Asset Ratio

credit_quality

Value: 1.33%

Peer Median: 0.64%

#2297 of 2664 Bottom 13.8% in $100M-$1B

2278

Delinquency Rate

credit_quality

Value: 1.84%

Peer Median: 0.89%

#2278 of 2654 Bottom 14.2% in $100M-$1B

2183

Non-Interest-Bearing Deposit Share

funding

Value: 13.23%

Peer Median: 22.02%

#2183 of 2664 Bottom 18.1% in $100M-$1B

2038

Return on Assets

profitability

Value: 0.76%

Peer Median: 1.27%

#2038 of 2664 Bottom 23.5% in $100M-$1B

2025

Total Assets

size

Value: $189.55M

Peer Median: $386.08M

#2025 of 2664 Bottom 24.0% in $100M-$1B