BlastPoint's Banking Scorecard

Cross Bank

$100M-$1B Specialty: Agricultural AR FDIC cert 13821

Wynne, AR

10 branches across AR

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 -1.4% year over year ($480.7M on the books).
Delinquency rate 2.52%.
Return on assets 1.91%.
Efficiency ratio 40.51% vs a 64.48% peer average.
Loan-to-deposit ratio 97.66% 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) →

Cross Bank has 3 strengths but faces 3 concerns

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

+ Net Interest Margin 0.93% above tier average
+ Efficiency Ratio 23.97% below tier average
+ ROA 0.59% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 42.0% in tier
- Delinquency Rate 1.60% above tier average
- Nonperforming Asset Ratio 1.61% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$593.5M +6.5% YoY +5.2% QoQ	+$206.9M	$386.6M +1.2% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	80%
Total Loans ?	$469.4M +5.0% YoY +4.0% QoQ	+$211.1M	$258.3M +1.7% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	Top 14.2% in tier
Total Deposits ?	$480.7M -1.4% YoY -3.7% QoQ	+$154.0M	$326.7M +0.7% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	78%
Return on Assets ?	1.91% +2.4% YoY -4.7% QoQ	+0.59%	1.32% +10.8% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	84%
Net Interest Margin ?	4.91% +5.3% YoY -2.4% QoQ	+0.93%	3.99% +5.0% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	Top 9.5% in tier
Efficiency Ratio ?	40.51% -6.1% YoY +4.9% QoQ	-23.97%	64.48% -3.2% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	Top 4.4% in tier
Delinquency Rate ?	2.52% +173.0% YoY +123.3% QoQ	+1.60%	0.92% +15.7% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	Bottom 8.7% in tier
Loan-to-Deposit Ratio ?	97.66% +6.4% YoY +8.0% QoQ	+19.71%	77.95% +1.0% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	Bottom 12.9% in tier
Non-Interest-Bearing Deposit Share ?	16.38% -1.1% YoY +0.1% QoQ	-5.65%	22.03% -0.6% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	29%
Nonperforming Asset Ratio ?	2.28% +199.0% YoY +89.1% QoQ	+1.61%	0.67% +16.4% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	Bottom 5.5% in tier
Tier 1 Capital Ratio ?	10.45% +11.5% YoY +2.0% QoQ	-5.45%	15.91% +1.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.16% -5.2% YoY +96.0% QoQ	-0.40%	0.57% +7.6% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	39%

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	16.4% -0.2pp YoY 0.0pp QoQ	-5.8pp	22.1%	19.6%	22.2%	29%
Brokered Deposits	18.3% -4.0pp YoY +0.7pp QoQ	+10.5pp	7.9%	7.2%	8.5%	89%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	7.6% -0.3pp YoY +0.6pp QoQ	-4.0pp	11.6%	12.7%	12.5%	37%
CRE	34.7% -5.8pp YoY -3.7pp QoQ	-4.9pp	39.5%	41.0%	41.4%	43%
1-4 Family	17.1% +3.5pp YoY +1.0pp QoQ	-15.6pp	32.6%	28.1%	31.3%	24%
Consumer	3.9% -1.1pp YoY -0.6pp QoQ	-0.2pp	4.1%	4.5%	5.0%	69%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.1%	19.7%	n/a
Leverage Ratio	10.5% +1.1pp YoY +0.2pp QoQ	-1.7pp	12.2%	11.9%	12.6%	40%
Total Capital Ratio	n/a	n/a	19.9%	16.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	91 +5 (+5.8%) YoY +1 (+1.1%) QoQ	+32	58	315	482	83%
Assets per Employee ($)	$6.5M +0.6% YoY +4.0% QoQ	-$996K	$7.5M	$6.7M	$8.8M	43%
Branch Count	10 0 YoY 0 QoQ	+5	4	25	18	90%

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	2.5% +1.6pp YoY +1.4pp QoQ	+1.6pp	0.9%	1.1%	1.0%	92%
Allowance Coverage	0.74x -56.6% YoY -52.0% QoQ	-23.41x	24.15x	4.69x	20.23x	19%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	46%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	18.2% -0.9pp YoY -0.9pp QoQ	+6.0pp	12.2%	12.3%	11.6%	82%
Cost of Funds (YTD)	2.1% -0.3pp YoY -0.1pp QoQ	+0.4pp	1.7%	2.0%	1.7%	76%
Net Income ($, YTD)	$5.5M +8.1% YoY — QoQ	+$3.0M	$2.6M	$16.0M	$40.4M	90%

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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)

Liquidity Strain

risk

#291 of 691 • Bottom 42.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 97.66%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 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 (6 metrics)

118

Efficiency Ratio

profitability

Value: 40.51%

Peer Median: 64.48%

#118 of 2643 Top 4.4% in $100M-$1B

253

Net Interest Margin

profitability

Value: 4.91%

Peer Median: 3.99%

#253 of 2643 Top 9.5% in $100M-$1B

375

Total Loans

size

Value: $469.43M

Peer Median: $258.35M

#375 of 2643 Top 14.2% in $100M-$1B

412

Return on Assets

profitability

Value: 1.91%

Peer Median: 1.32%

#412 of 2643 Top 15.6% in $100M-$1B

532

Total Assets

size

Value: $593.48M

Peer Median: $386.57M

#532 of 2643 Top 20.1% in $100M-$1B

583

Total Deposits

size

Value: $480.69M

Peer Median: $326.73M

#583 of 2643 Top 22.0% in $100M-$1B

Top Weaknesses (4 metrics)

2498

Nonperforming Asset Ratio

credit_quality

Value: 2.28%

Peer Median: 0.67%

#2498 of 2643 Bottom 5.5% in $100M-$1B

2405

Delinquency Rate

credit_quality

Value: 2.52%

Peer Median: 0.92%

#2405 of 2633 Bottom 8.7% in $100M-$1B

2303

Loan-to-Deposit Ratio

liquidity

Value: 97.66%

Peer Median: 77.95%

#2303 of 2643 Bottom 12.9% in $100M-$1B

2219

Tier 1 Capital Ratio

capital

Value: 10.45%

Peer Median: 15.91%

#2219 of 2643 Bottom 16.1% in $100M-$1B