BlastPoint's Banking Scorecard
Partners Bank
Designations: ✓ CDFI-certified
Helena, AR
10 branches across AR
Partners Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.50% above tier average
- + Delinquency Rate 0.30% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.7% in tier
- - Credit Quality Pressure: Bottom 45.8% in tier
- - ROA 0.23% below tier average
- - Efficiency Ratio 0.33% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$404.1M
-5.9% YoY
-2.7% QoQ
|
+$18.0M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
62% |
| Total Loans ? |
$335.6M
-8.2% YoY
-3.5% QoQ
|
+$79.9M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
73% |
| Total Deposits ? |
$346.2M
+1.0% YoY
-0.6% QoQ
|
+$18.3M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
62% |
| Return on Assets ? |
1.04%
+5.9% YoY
-11.6% QoQ
|
-0.23% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
40% |
| Net Interest Margin ? |
4.43%
+10.1% YoY
+4.2% QoQ
|
+0.50% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
79% |
| Efficiency Ratio ? |
65.62%
+1.7% YoY
+7.7% QoQ
|
+0.33% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? |
0.59%
+110.8% YoY
-58.2% QoQ
|
-0.30% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
96.92%
-9.1% YoY
-2.9% QoQ
|
+20.28% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 12.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.93%
-13.0% YoY
-5.3% QoQ
|
+0.91% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.49%
+105.5% YoY
-58.5% QoQ
|
-0.15% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
38% |
| Tier 1 Capital Ratio ? |
13.67%
-5.7% YoY
+5.4% QoQ
|
-2.16% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.07%
+6.6% YoY
-80.4% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
35% |
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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 (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.