BlastPoint's Banking Scorecard
Bank of Bearden
Designations: ✓ Community bank
Bearden, AR
Bank of Bearden shows strong momentum with 6 strengths and 5.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.18% above tier average
- + Efficiency Ratio 38.86% below tier average
- + Delinquency Rate 1.36% below tier average
- + Non-Interest-Bearing Deposit Share 36.26% above tier average
- + Nonperforming Asset Ratio 0.77% below tier average
- + Net Interest Margin 0.36% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$62.4M
+5.7% YoY
+4.7% QoQ
|
+$140K |
$62.3M
-0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.0% YoY
|
49% |
| Total Loans ? |
$30.0M
+0.5% YoY
-1.2% QoQ
|
-$4.3M |
$34.3M
-1.5% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.7% YoY
|
46% |
| Total Deposits ? |
$55.7M
+5.4% YoY
+5.9% QoQ
|
+$3.9M |
$51.8M
-0.6% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.0% YoY
|
54% |
| Return on Assets ? |
2.04%
+3.7% YoY
+13.2% QoQ
|
+1.18% |
0.86%
-3.6% YoY
|
1.34%
+14.2% YoY
|
1.24%
+13.1% YoY
|
Top 9.3% in tier |
| Net Interest Margin ? |
4.23%
-2.3% YoY
-3.5% QoQ
|
+0.36% |
3.87%
+2.7% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
66% |
| Efficiency Ratio ? |
48.76%
-1.0% YoY
-12.5% QoQ
|
-38.86% |
87.63%
+2.3% YoY
|
61.77%
-4.8% YoY
|
66.84%
-3.8% YoY
|
Top 8.4% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.36% |
1.36%
+33.7% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
53.94%
-4.7% YoY
-6.7% QoQ
|
-10.17% |
64.11%
-0.9% YoY
|
80.49%
+1.3% YoY
|
76.69%
+0.9% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
60.04%
+8.4% YoY
+1.2% QoQ
|
+36.26% |
23.79%
+0.5% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.1% YoY
|
Top 1.9% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.77% |
0.77%
+28.7% YoY
|
0.79%
+32.8% YoY
|
0.66%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.78%
+2.0% YoY
-6.7% QoQ
|
-13.99% |
26.77%
+2.0% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.02%
-13.2% YoY
-79.4% QoQ
|
-0.65% |
0.67%
+1.6% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.0% YoY
|
Bottom 11.5% in tier |
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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.