BlastPoint's Banking Scorecard
The Peoples Bank
Magnolia, AR
4 branches across AR
The Peoples Bank has 3 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 28.4% in tier
- + Net Interest Margin 1.66% above tier average
- + ROA 0.40% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 11.0% in tier
- - Deposit Outflow: Bottom 21.2% in tier
- - Margin Compression: Bottom 45.6% in tier
- - Capital Constraint: Bottom 83.3% in tier
- - Cost Spiral: Bottom 96.8% in tier
- - Delinquency Rate 1.42% above tier average
- - Nonperforming Asset Ratio 1.12% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$197.1M
-4.5% YoY
+1.4% QoQ
|
-$189.0M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
26% |
| Total Loans ? |
$150.1M
+1.9% YoY
+0.2% QoQ
|
-$105.6M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
36% |
| Total Deposits ? |
$137.5M
-6.0% YoY
+1.7% QoQ
|
-$190.5M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
18% |
| Return on Assets ? |
1.67%
-10.4% YoY
-16.8% QoQ
|
+0.40% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
76% |
| Net Interest Margin ? |
5.59%
+6.3% YoY
+0.3% QoQ
|
+1.66% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
Top 2.4% in tier |
| Efficiency Ratio ? |
70.64%
+18.9% YoY
+9.2% QoQ
|
+5.36% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
2.31%
-4.4% YoY
+0.3% QoQ
|
+1.42% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.6% in tier |
| Loan-to-Deposit Ratio ? |
109.20%
+8.4% YoY
-1.5% QoQ
|
+32.56% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 3.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.66%
+0.3% YoY
+6.3% QoQ
|
-3.36% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
39% |
| Nonperforming Asset Ratio ? |
1.76%
+1.8% YoY
-0.9% QoQ
|
+1.12% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 8.6% in tier |
| Tier 1 Capital Ratio ? |
19.76%
+0.1% YoY
+1.8% QoQ
|
+3.93% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 13.9% in tier |
| Non-Interest Income / Assets ? |
0.27%
-43.3% YoY
-79.8% QoQ
|
-0.01% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
Top 7.9% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (5)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
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.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.