BlastPoint's Banking Scorecard
Bank of Lake Village
Designations: ✓ Community bank ✓ CDFI-certified
Lake Village, AR
2 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 536 banks in the under $100M peer group nationwide — 1 of 5 in AR.
- Deposits +6.4% year over year ($71.1M on the books).
- Delinquency rate 1.05%.
- Return on assets 1.56%.
- Efficiency ratio 57.54% vs a 119.40% peer average.
- Loan-to-deposit ratio 84.32% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Lake Village shows strong momentum with 4 strengths and 7.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.26% above tier average
- + ROA 0.56% above tier average
- + Efficiency Ratio 61.86% below tier average
- + Delinquency Rate 0.43% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$90.6M
+7.1% YoY
+8.7% QoQ
|
+$28.2M |
$62.4M
-0.0% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
Top 12.7% in tier |
| Total Loans ? |
$60.0M
+6.0% YoY
+24.7% QoQ
|
+$25.1M |
$34.9M
-0.6% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
Top 13.6% in tier |
| Total Deposits ? |
$71.1M
+6.4% YoY
+1.8% QoQ
|
+$19.5M |
$51.6M
-0.2% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
76% |
| Return on Assets ? |
1.56%
-11.5% YoY
+11.2% QoQ
|
+0.56% |
1.00%
+3.5% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
77% |
| Net Interest Margin ? |
5.17%
-3.7% YoY
+3.1% QoQ
|
+1.26% |
3.91%
+2.3% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
Top 7.3% in tier |
| Efficiency Ratio ? |
57.54%
+9.3% YoY
-3.8% QoQ
|
-61.86% |
119.40%
+49.6% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
77% |
| Delinquency Rate ? |
1.05%
-28.8% YoY
-47.5% QoQ
|
-0.43% |
1.48%
+31.8% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
84.32%
-0.4% YoY
+22.6% QoQ
|
+10.11% |
74.21%
+12.6% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
37.07%
+13.0% YoY
+5.4% QoQ
|
+13.58% |
23.49%
+0.6% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
Top 11.2% in tier |
| Nonperforming Asset Ratio ? |
0.70%
-29.6% YoY
-39.8% QoQ
|
-0.14% |
0.84%
+23.0% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
21.01%
-2.7% YoY
-8.1% QoQ
|
-6.11% |
27.13%
+3.0% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.08%
-22.0% YoY
+72.0% QoQ
|
-1.30% |
1.38%
+6.3% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
31% |
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 |
37.1%
+4.3pp YoY +1.9pp QoQ |
+12.4pp | 24.6% | 19.6% | 22.2% | 88% |
| Brokered Deposits |
1.2%
-6.2pp YoY -0.2pp QoQ |
-8.6pp | 9.8% | 7.2% | 8.5% | 19% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.8%
-1.7pp YoY -2.1pp QoQ |
-8.6pp | 13.4% | 12.7% | 12.5% | 19% |
| CRE | n/a | n/a | 25.2% | 41.0% | 41.4% | n/a |
| 1-4 Family |
9.9%
-2.3pp YoY -4.0pp QoQ |
-25.1pp | 35.0% | 28.1% | 31.3% | 20% |
| Consumer |
2.1%
-0.1pp YoY -0.5pp QoQ |
-5.6pp | 7.7% | 4.5% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
21.0%
-0.6pp YoY -1.9pp QoQ |
-17.7pp | 38.7% | 15.1% | 19.7% | 52% |
| Leverage Ratio |
16.1%
-0.9pp YoY -0.7pp QoQ |
-1.6pp | 17.7% | 11.9% | 12.6% | 75% |
| Total Capital Ratio |
22.3%
-0.6pp YoY -1.9pp QoQ |
-17.4pp | 39.7% | 16.3% | 20.8% | 52% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
+1 (+6.2%) YoY 0 QoQ |
+5 | 12 | 315 | 482 | 81% |
| Assets per Employee ($) |
$5.3M
+0.8% YoY +8.7% QoQ |
-$859K | $6.2M | $6.7M | $8.8M | 41% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 25 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.4%
-0.1pp YoY -0.7pp QoQ |
-0.6pp | 1.0% | 0.1% | 0.4% | 48% |
| Nonaccrual |
0.7%
-0.4pp YoY -0.2pp QoQ |
-1.1pp | 1.7% | 1.1% | 1.0% | 47% |
| Allowance Coverage |
4.75x
+55.7% YoY +50.1% QoQ |
-1.66x | 6.41x | 4.69x | 20.23x | 78% |
| Net Charge-off Rate (YTD) |
0.2%
+0.3pp YoY |
0.0pp | 0.2% | 0.2% | 0.2% | 78% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.0%
-2.2pp YoY +1.2pp QoQ |
+3.6pp | 6.4% | 12.3% | 11.6% | 61% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.4% | 2.0% | 1.7% | 46% |
| Net Income ($, YTD) |
$666,000
-10.6% YoY — QoQ |
+$348K | $317,817 | $16.0M | $40.4M | 86% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.