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
Bank of England has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 24.0% in tier
- + Non-Interest-Bearing Deposit Share 12.99% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 29.12% above tier average
- - Delinquency Rate 3.03% above tier average
- - ROA 0.86% below tier average
- - Net Interest Margin 0.46% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$329.0M
-5.4% YoY
+0.1% QoQ
|
-$57.1M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
51% |
| Total Loans ? |
$89.6M
-16.5% YoY
-7.3% QoQ
|
-$166.1M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
16% |
| Total Deposits ? |
$250.6M
-3.2% YoY
+0.4% QoQ
|
-$77.4M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
45% |
| Return on Assets ? |
0.41%
+140.5% YoY
+263.2% QoQ
|
-0.86% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.8% in tier |
| Net Interest Margin ? |
3.47%
+3.8% YoY
-2.2% QoQ
|
-0.46% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
29% |
| Efficiency Ratio ? |
94.40%
-19.8% YoY
-12.1% QoQ
|
+29.12% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
Bottom 4.3% in tier |
| Delinquency Rate ? |
3.92%
+11.8% YoY
+7.9% QoQ
|
+3.03% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.5% in tier |
| Loan-to-Deposit Ratio ? |
35.77%
-13.7% YoY
-7.7% QoQ
|
-40.87% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
Top 2.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.00%
+7.3% YoY
+8.4% QoQ
|
+12.99% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
Top 9.8% in tier |
| Nonperforming Asset Ratio ? |
1.12%
+3.5% YoY
-0.1% QoQ
|
+0.48% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
24.55%
+6.0% YoY
+2.6% QoQ
|
+8.72% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 6.9% in tier |
| Non-Interest Income / Assets ? |
0.73%
-34.4% YoY
-80.6% QoQ
|
+0.45% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
Top 2.3% 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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.