BlastPoint's Banking Scorecard
Bank of Bearden
Designations: ✓ Community bank
Bearden, 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 +9.5% year over year ($60.8M on the books).
- Delinquency rate 0.00%.
- Return on assets 2.01%.
- Efficiency ratio 50.23% vs a 119.40% peer average.
- Loan-to-deposit ratio 50.48% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Bearden shows strong momentum with 6 strengths and 8.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 69.16% below tier average
- + Delinquency Rate 1.48% below tier average
- + Non-Interest-Bearing Deposit Share 39.27% above tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 1.02% above tier average
- + Net Interest Margin 0.40% above 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 ? |
$67.4M
+8.9% YoY
+8.0% QoQ
|
+$4.9M |
$62.4M
-0.0% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
54% |
| Total Loans ? |
$30.7M
+2.6% YoY
+2.1% QoQ
|
-$4.2M |
$34.9M
-0.6% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
46% |
| Total Deposits ? |
$60.8M
+9.5% YoY
+9.1% QoQ
|
+$9.1M |
$51.6M
-0.2% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
60% |
| Return on Assets ? |
2.01%
-1.6% YoY
-1.2% QoQ
|
+1.02% |
1.00%
+3.5% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
Top 10.6% in tier |
| Net Interest Margin ? |
4.32%
-1.9% YoY
+2.1% QoQ
|
+0.40% |
3.91%
+2.3% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
66% |
| Efficiency Ratio ? |
50.23%
-0.3% YoY
+3.0% QoQ
|
-69.16% |
119.40%
+49.6% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Top 9.7% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.48% |
1.48%
+31.8% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
50.48%
-6.3% YoY
-6.4% QoQ
|
-23.73% |
74.21%
+12.6% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
62.76%
+10.4% YoY
+4.5% QoQ
|
+39.27% |
23.49%
+0.6% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
Top 1.3% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.84% |
0.84%
+23.0% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
20.07%
+63.8% YoY
+57.0% QoQ
|
-7.05% |
27.13%
+3.0% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.03%
-59.6% YoY
+85.3% QoQ
|
-1.35% |
1.38%
+6.3% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.6% in tier |
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 |
62.8%
+5.9pp YoY +2.7pp QoQ |
+38.1pp | 24.6% | 19.6% | 22.2% | 98% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
15.1%
-1.5pp YoY -0.9pp QoQ |
+1.7pp | 13.4% | 12.7% | 12.5% | 69% |
| CRE | n/a | n/a | 25.2% | 41.0% | 41.4% | n/a |
| 1-4 Family |
24.9%
+5.3pp YoY +2.0pp QoQ |
-10.1pp | 35.0% | 28.1% | 31.3% | 43% |
| Consumer |
8.8%
-2.6pp YoY +0.3pp QoQ |
+1.1pp | 7.7% | 4.5% | 5.0% | 72% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | 20.1% | -18.6pp | 38.7% | 15.1% | 19.7% | 47% |
| Leverage Ratio |
11.3%
-1.0pp YoY -1.5pp QoQ |
-6.4pp | 17.7% | 11.9% | 12.6% | 32% |
| Total Capital Ratio | 21.1% | -18.6pp | 39.7% | 16.3% | 20.8% | 46% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
-1 (-12.5%) YoY -2 (-22.2%) QoQ |
-5 | 12 | 315 | 482 | 20% |
| Assets per Employee ($) |
$9.6M
+24.5% YoY +38.8% QoQ |
+$3.4M | $6.2M | $6.7M | $8.8M | 92% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 25 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 4.69x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.3%
-0.5pp YoY +0.5pp QoQ |
+12.9pp | 6.4% | 12.3% | 11.6% | 93% |
| Cost of Funds (YTD) |
0.6%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 1.4% | 2.0% | 1.7% | 9% |
| Net Income ($, YTD) |
$636,000
+5.3% YoY — QoQ |
+$318K | $317,817 | $16.0M | $40.4M | 85% |
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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.