BlastPoint's Banking Scorecard
First State Bank
Lonoke, AR
6 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 +3.2% year over year ($292.6M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.12%.
- Efficiency ratio 58.54% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.91% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 30.3% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 5.94% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Net Interest Margin 0.22% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$328.1M
+4.1% YoY
+0.8% QoQ
|
-$58.5M |
$386.6M
+1.2% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
51% |
| Total Loans ? |
$236.7M
+2.6% YoY
+0.2% QoQ
|
-$21.6M |
$258.3M
+1.7% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$292.6M
+3.2% YoY
+1.6% QoQ
|
-$34.2M |
$326.7M
+0.7% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
53% |
| Return on Assets ? |
1.12%
+15.5% YoY
+4.9% QoQ
|
-0.20% |
1.32%
+10.8% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
42% |
| Net Interest Margin ? |
3.77%
+12.0% YoY
+2.6% QoQ
|
-0.22% |
3.99%
+5.0% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
58.54%
-4.8% YoY
-1.7% QoQ
|
-5.94% |
64.48%
-3.2% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
61% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
80.91%
-0.5% YoY
-1.4% QoQ
|
+2.96% |
77.95%
+1.0% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
12.89%
+3.3% YoY
-0.5% QoQ
|
-9.14% |
22.03%
-0.6% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
17% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
11.24%
+4.8% YoY
+3.8% QoQ
|
-4.67% |
15.91%
+1.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.09%
-6.4% YoY
+107.9% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
16% |
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 |
12.9%
+0.4pp YoY -0.1pp QoQ |
-9.3pp | 22.1% | 19.6% | 22.2% | 17% |
| 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 |
8.5%
+0.9pp YoY +0.1pp QoQ |
-3.1pp | 11.6% | 12.7% | 12.5% | 43% |
| CRE |
43.0%
-5.0pp YoY -1.0pp QoQ |
+3.5pp | 39.5% | 41.0% | 41.4% | 58% |
| 1-4 Family |
33.7%
+5.2pp YoY +0.7pp QoQ |
+1.1pp | 32.6% | 28.1% | 31.3% | 59% |
| Consumer |
0.6%
-0.1pp YoY -0.1pp QoQ |
-3.5pp | 4.1% | 4.5% | 5.0% | 18% |
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 |
11.2%
+0.5pp YoY +0.4pp QoQ |
-0.9pp | 12.2% | 11.9% | 12.6% | 54% |
| 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 |
50
+3 (+6.4%) YoY +1 (+2.0%) QoQ |
-9 | 58 | 315 | 482 | 53% |
| Assets per Employee ($) |
$6.6M
-2.2% YoY -1.2% QoQ |
-$956K | $7.5M | $6.7M | $8.8M | 44% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 25 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 4.69x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 18% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.9%
+0.7pp YoY +0.4pp QoQ |
-1.3pp | 12.2% | 12.3% | 11.6% | 42% |
| Cost of Funds (YTD) |
2.2%
-0.2pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 2.0% | 1.7% | 82% |
| Net Income ($, YTD) |
$1.8M
+21.8% YoY — QoQ |
-$722K | $2.6M | $16.0M | $40.4M | 49% |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.