BlastPoint's Banking Scorecard
Bank of England
England, AR
151 branches across AR · CO · FL · CA · OH · TX · TN · AZ · MA · OR · CT · IN · MI · GA · ID · KY · LA · NC · NY · PA · AL · IL · MS · ND · RI · WA · WI · KS · MD · MT · NJ · SD · UT · VA
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 -0.3% year over year ($254.1M on the books).
- Delinquency rate 4.40%.
- Return on assets 0.35%.
- Efficiency ratio 93.40% vs a 64.48% peer average.
- Loan-to-deposit ratio 37.56% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of England has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 25.7% in tier
- + Non-Interest-Bearing Deposit Share 14.95% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 1.1% in tier
- - Return on Assets 0.97% below tier average
- - Efficiency Ratio 28.92% above tier average
- - Delinquency Rate 3.48% above tier average
- - Net Interest Margin 0.38% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$332.3M
-1.1% YoY
+1.0% QoQ
|
-$54.2M |
$386.6M
+1.2% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
51% |
| Total Loans ? |
$95.4M
-5.6% YoY
+6.5% QoQ
|
-$162.9M |
$258.3M
+1.7% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
17% |
| Total Deposits ? |
$254.1M
-0.3% YoY
+1.4% QoQ
|
-$72.7M |
$326.7M
+0.7% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
46% |
| Return on Assets ? |
0.35%
+140.2% YoY
-14.2% QoQ
|
-0.97% |
1.32%
+10.8% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
Bottom 8.6% in tier |
| Net Interest Margin ? |
3.60%
+3.1% YoY
+3.7% QoQ
|
-0.38% |
3.99%
+5.0% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
93.40%
-20.4% YoY
-1.1% QoQ
|
+28.92% |
64.48%
-3.2% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 3.9% in tier |
| Delinquency Rate ? |
4.40%
+28.6% YoY
+12.2% QoQ
|
+3.48% |
0.92%
+15.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
Bottom 3.3% in tier |
| Loan-to-Deposit Ratio ? |
37.56%
-5.3% YoY
+5.0% QoQ
|
-40.39% |
77.95%
+1.0% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
Top 3.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.98%
+5.0% YoY
+5.6% QoQ
|
+14.95% |
22.03%
-0.6% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
Top 7.2% in tier |
| Nonperforming Asset Ratio ? |
1.26%
+22.7% YoY
+12.8% QoQ
|
+0.59% |
0.67%
+16.4% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
15% |
| Tier 1 Capital Ratio ? |
24.59%
+7.5% YoY
+0.2% QoQ
|
+8.68% |
15.91%
+1.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
Top 7.3% in tier |
| Non-Interest Income / Assets ? |
1.42%
-29.8% YoY
+95.2% QoQ
|
+0.85% |
0.57%
+7.6% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
Top 2.3% in tier |
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 |
37.0%
+1.7pp YoY +2.0pp QoQ |
+14.8pp | 22.1% | 19.6% | 22.2% | 93% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.7%
+0.6pp YoY +0.2pp QoQ |
-1.9pp | 11.6% | 12.7% | 12.5% | 50% |
| CRE |
27.4%
-4.6pp YoY -1.7pp QoQ |
-12.1pp | 39.5% | 41.0% | 41.4% | 30% |
| 1-4 Family |
35.2%
+2.5pp YoY -1.4pp QoQ |
+2.6pp | 32.6% | 28.1% | 31.3% | 62% |
| Consumer |
2.9%
-0.1pp YoY -0.5pp QoQ |
-1.2pp | 4.1% | 4.5% | 5.0% | 59% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
24.6%
+1.7pp YoY 0.0pp QoQ |
+5.8pp | 18.8% | 15.1% | 19.7% | 88% |
| Leverage Ratio |
19.9%
+0.8pp YoY -0.3pp QoQ |
+7.7pp | 12.2% | 11.9% | 12.6% | 96% |
| Total Capital Ratio |
25.8%
+1.7pp YoY +0.1pp QoQ |
+5.8pp | 19.9% | 16.3% | 20.8% | 88% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
97
-61 (-38.6%) YoY -5 (-4.9%) QoQ |
+38 | 58 | 315 | 482 | 86% |
| Assets per Employee ($) |
$3.4M
+61.2% YoY +6.2% QoQ |
-$4.1M | $7.5M | $6.7M | $8.8M | 2% |
| Branch Count |
151
0 YoY 0 QoQ |
+146 | 4 | 25 | 18 | 100% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
4.4%
+1.2pp YoY +0.5pp QoQ |
+3.5pp | 0.9% | 1.1% | 1.0% | 97% |
| Allowance Coverage |
0.74x
-26.2% YoY -14.1% QoQ |
-23.42x | 24.15x | 4.69x | 20.23x | 18% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 17% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.8%
+6.5pp YoY -0.3pp QoQ |
-10.4pp | 12.2% | 12.3% | 11.6% | 6% |
| Cost of Funds (YTD) |
1.1%
-0.3pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 2.0% | 1.7% | 14% |
| Net Income ($, YTD) |
$584,000
+137.7% YoY — QoQ |
-$2.0M | $2.6M | $16.0M | $40.4M | 13% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.