BlastPoint's Banking Scorecard

FNBC Bank

$100M-$1B Specialty: Commercial AR FDIC cert 1294

Designations: ✓ CDFI-certified

Ash Flat, AR

17 branches across AR · MO

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 -1.2% year over year ($704.1M on the books).
Delinquency rate 0.81%.
Return on assets 1.60%.
Efficiency ratio 60.92% vs a 64.48% peer average.
Loan-to-deposit ratio 85.57% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in AR

View $100M-$1B leaderboard (AR) →

FNBC Bank has 4 strengths but faces 1 concern

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

+ ROA 0.28% above tier average
+ Net Interest Margin 0.43% above tier average
+ Efficiency Ratio 3.56% below tier average
+ Delinquency Rate 0.11% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 49.7% in tier

Get updates when FNBC Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$843.3M +3.7% YoY -0.1% QoQ	+$456.7M	$386.6M +1.2% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	Top 5.9% in tier
Total Loans ?	$602.5M +8.7% YoY +1.0% QoQ	+$344.2M	$258.3M +1.7% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	Top 6.0% in tier
Total Deposits ?	$704.1M -1.2% YoY +2.0% QoQ	+$377.4M	$326.7M +0.7% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	Top 6.5% in tier
Return on Assets ?	1.60% +18.1% YoY +5.3% QoQ	+0.28%	1.32% +10.8% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	71%
Net Interest Margin ?	4.42% +3.3% YoY +3.4% QoQ	+0.43%	3.99% +5.0% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	76%
Efficiency Ratio ?	60.92% -9.9% YoY -1.6% QoQ	-3.56%	64.48% -3.2% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	55%
Delinquency Rate ?	0.81% +58.0% YoY -3.4% QoQ	-0.11%	0.92% +15.7% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	34%
Loan-to-Deposit Ratio ?	85.57% +10.0% YoY -1.0% QoQ	+7.62%	77.95% +1.0% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	36%
Non-Interest-Bearing Deposit Share ?	26.61% +2.4% YoY +0.2% QoQ	+4.58%	22.03% -0.6% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	72%
Nonperforming Asset Ratio ?	0.59% +70.2% YoY -3.3% QoQ	-0.07%	0.67% +16.4% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	34%
Tier 1 Capital Ratio ?	12.44% +4.6% YoY +2.8% QoQ	-3.47%	15.91% +1.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.29% -16.1% YoY +101.5% QoQ	-0.27%	0.57% +7.6% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	71%

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	26.6% +0.6pp YoY +0.1pp QoQ	+4.5pp	22.1%	19.6%	22.2%	72%
Brokered Deposits	11.0% -3.8pp YoY +0.1pp QoQ	+3.2pp	7.9%	7.2%	8.5%	78%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	9.6% -1.1pp YoY +0.9pp QoQ	-1.9pp	11.6%	12.7%	12.5%	50%
CRE	43.6% +2.2pp YoY -0.1pp QoQ	+4.0pp	39.5%	41.0%	41.4%	59%
1-4 Family	29.3% +0.8pp YoY +0.6pp QoQ	-3.3pp	32.6%	28.1%	31.3%	50%
Consumer	6.2% -0.5pp YoY -0.3pp QoQ	+2.1pp	4.1%	4.5%	5.0%	83%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	12.4% +0.5pp YoY +0.3pp QoQ	-6.4pp	18.8%	15.1%	19.7%	22%
Leverage Ratio	9.7% +0.3pp YoY +0.2pp QoQ	-2.5pp	12.2%	11.9%	12.6%	25%
Total Capital Ratio	13.7% +0.6pp YoY +0.3pp QoQ	-6.2pp	19.9%	16.3%	20.8%	23%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	125 -1 (-0.8%) YoY +3 (+2.5%) QoQ	+66	58	315	482	94%
Assets per Employee ($)	$6.7M +4.5% YoY -2.5% QoQ	-$772K	$7.5M	$6.7M	$8.8M	47%
Branch Count	17 0 YoY 0 QoQ	+12	4	25	18	99%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.8% +0.3pp YoY 0.0pp QoQ	-0.1pp	0.9%	1.1%	1.0%	66%
Allowance Coverage	2.42x -36.3% YoY +3.9% QoQ	-21.74x	24.15x	4.69x	20.23x	53%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	70%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	20.7% +0.5pp YoY +0.5pp QoQ	+8.5pp	12.2%	12.3%	11.6%	90%
Cost of Funds (YTD)	2.0% -0.2pp YoY 0.0pp QoQ	+0.3pp	1.7%	2.0%	1.7%	69%
Net Income ($, YTD)	$6.8M +23.8% YoY — QoQ	+$4.2M	$2.6M	$16.0M	$40.4M	95%

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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 (1)

Credit Risk Growth

risk

#466 of 936 • Bottom 49.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

158

Total Assets

size

Value: $843.32M

Peer Median: $386.57M

#158 of 2643 Top 5.9% in $100M-$1B

160

Total Loans

size

Value: $602.52M

Peer Median: $258.35M

#160 of 2643 Top 6.0% in $100M-$1B

172

Total Deposits

size

Value: $704.13M

Peer Median: $326.73M

#172 of 2643 Top 6.5% in $100M-$1B

640

Net Interest Margin

profitability

Value: 4.42%

Peer Median: 3.99%

#640 of 2643 Top 24.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available