BlastPoint's Banking Scorecard
Partners Bank
Designations: ✓ CDFI-certified
Helena, 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 +7.4% year over year ($354.0M on the books).
- Delinquency rate 0.95%.
- Return on assets 1.04%.
- Efficiency ratio 65.43% vs a 64.48% peer average.
- Loan-to-deposit ratio 102.39% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Partners Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.46% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 18.1% in tier
- - ROA 0.29% below tier average
- - Efficiency Ratio 0.95% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$417.1M
-4.5% YoY
+3.2% QoQ
|
+$30.5M |
$386.6M
+1.2% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
63% |
| Total Loans ? |
$362.5M
-3.7% YoY
+8.0% QoQ
|
+$104.2M |
$258.3M
+1.7% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
75% |
| Total Deposits ? |
$354.0M
+7.4% YoY
+2.2% QoQ
|
+$27.3M |
$326.7M
+0.7% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
63% |
| Return on Assets ? |
1.04%
-8.4% YoY
-0.2% QoQ
|
-0.29% |
1.32%
+10.8% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
36% |
| Net Interest Margin ? |
4.45%
+6.1% YoY
+0.4% QoQ
|
+0.46% |
3.99%
+5.0% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
78% |
| Efficiency Ratio ? |
65.43%
+6.7% YoY
-0.3% QoQ
|
+0.95% |
64.48%
-3.2% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
41% |
| Delinquency Rate ? |
0.95%
+257.4% YoY
+62.3% QoQ
|
+0.03% |
0.92%
+15.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
102.39%
-10.4% YoY
+5.6% QoQ
|
+24.44% |
77.95%
+1.0% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 7.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.99%
-13.0% YoY
+0.2% QoQ
|
+0.96% |
22.03%
-0.6% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.83%
+260.2% YoY
+69.8% QoQ
|
+0.16% |
0.67%
+16.4% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
15.70%
+10.4% YoY
+14.8% QoQ
|
-0.21% |
15.91%
+1.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.14%
-16.0% YoY
+94.4% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
33% |
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 |
23.0%
-3.4pp YoY +0.1pp QoQ |
+0.8pp | 22.1% | 19.6% | 22.2% | 59% |
| Brokered Deposits |
0.3%
-4.7pp YoY 0.0pp QoQ |
-7.6pp | 7.9% | 7.2% | 8.5% | 8% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.0%
-1.3pp YoY -0.5pp QoQ |
-2.5pp | 11.6% | 12.7% | 12.5% | 47% |
| CRE |
60.4%
+0.6pp YoY -0.3pp QoQ |
+20.9pp | 39.5% | 41.0% | 41.4% | 85% |
| 1-4 Family |
16.6%
-0.8pp YoY -2.0pp QoQ |
-16.0pp | 32.6% | 28.1% | 31.3% | 23% |
| Consumer |
0.4%
+0.1pp YoY -0.1pp QoQ |
-3.8pp | 4.1% | 4.5% | 5.0% | 12% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.7%
+1.5pp YoY |
-3.1pp | 18.8% | 15.1% | 19.7% | 56% |
| Leverage Ratio |
13.7%
+1.5pp YoY +0.1pp QoQ |
+1.6pp | 12.2% | 11.9% | 12.6% | 80% |
| Total Capital Ratio |
17.0%
+1.5pp YoY |
-3.0pp | 19.9% | 16.3% | 20.8% | 56% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
66
-2 (-2.9%) YoY -1 (-1.5%) QoQ |
+7 | 58 | 315 | 482 | 68% |
| Assets per Employee ($) |
$6.3M
-1.6% YoY +4.8% QoQ |
-$1.2M | $7.5M | $6.7M | $8.8M | 39% |
| Branch Count |
10
0 YoY 0 QoQ |
+5 | 4 | 25 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
1.0%
+0.7pp YoY +0.4pp QoQ |
0.0pp | 0.9% | 1.1% | 1.0% | 70% |
| Allowance Coverage |
1.95x
-71.4% YoY -41.4% QoQ |
-22.20x | 24.15x | 4.69x | 20.23x | 47% |
| Net Charge-off Rate (YTD) |
0.4%
+0.4pp YoY -0.4pp QoQ |
+0.2pp | 0.1% | 0.2% | 0.2% | 92% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.8%
-1.9pp YoY 0.0pp QoQ |
-4.4pp | 12.2% | 12.3% | 11.6% | 25% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 2.0% | 1.7% | 59% |
| Net Income ($, YTD) |
$2.1M
-13.4% YoY — QoQ |
-$421K | $2.6M | $16.0M | $40.4M | 55% |
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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 (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.