BlastPoint's Banking Scorecard
FNBC Bank
Designations: ✓ CDFI-certified
Ash Flat, AR
17 branches across AR · MO
FNBC Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.25% above tier average
- + Net Interest Margin 0.35% above tier average
- + Efficiency Ratio 3.36% below tier average
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 13.0% in tier
- - Credit Risk Growth: Bottom 43.3% in tier
- - Credit Quality Pressure: Bottom 47.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$844.0M
+5.0% YoY
-1.0% QoQ
|
+$458.0M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
Top 6.1% in tier |
| Total Loans ? |
$596.4M
+8.6% YoY
+0.8% QoQ
|
+$340.7M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
Top 6.3% in tier |
| Total Deposits ? |
$690.2M
-3.6% YoY
-1.5% QoQ
|
+$362.3M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
Top 7.3% in tier |
| Return on Assets ? |
1.52%
+44.6% YoY
+12.2% QoQ
|
+0.25% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
4.28%
+7.3% YoY
-1.0% QoQ
|
+0.35% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
72% |
| Efficiency Ratio ? |
61.92%
-13.2% YoY
-5.7% QoQ
|
-3.36% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
54% |
| Delinquency Rate ? |
0.84%
+43.4% YoY
+31.2% QoQ
|
-0.05% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
86.40%
+12.7% YoY
+2.4% QoQ
|
+9.77% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
26.56%
+7.5% YoY
+6.4% QoQ
|
+4.54% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.62%
+54.1% YoY
+34.8% QoQ
|
-0.02% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
32% |
| Tier 1 Capital Ratio ? |
12.10%
+3.6% YoY
+5.1% QoQ
|
-3.73% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.15%
+6.9% YoY
-76.3% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
72% |
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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 (3)
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.