BlastPoint's Banking Scorecard
First Arkansas Bank and Trust
Designations: ✓ Community bank
Jacksonville, AR
21 branches across AR · GA
First Arkansas Bank and Trust has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 11.8% in tier
- + Revenue Diversifier: Top 14.0% in tier
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 23.1% in tier
- - Capital Thin: Bottom 27.6% in tier
- - Efficiency Ratio 7.04% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+4.5% YoY
-1.4% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.8% in tier |
| Total Loans ? |
$799.9M
+5.0% YoY
+5.0% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 14.7% in tier |
| Total Deposits ? |
$998.4M
+5.5% YoY
-3.0% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
15% |
| Return on Assets ? |
1.84%
+80.3% YoY
+96.1% QoQ
|
+0.48% |
1.37%
+19.6% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
Top 14.7% in tier |
| Net Interest Margin ? |
3.98%
+18.0% YoY
+11.5% QoQ
|
+0.16% |
3.82%
+6.9% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
71% |
| Efficiency Ratio ? |
68.10%
-14.2% YoY
-14.6% QoQ
|
+7.04% |
61.06%
-4.6% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
26% |
| Delinquency Rate ? |
1.74%
+9.2% YoY
-14.6% QoQ
|
+0.85% |
0.89%
+14.1% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 11.8% in tier |
| Loan-to-Deposit Ratio ? |
80.11%
-0.5% YoY
+8.3% QoQ
|
-4.09% |
84.20%
+0.3% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
13.91%
-10.2% YoY
+1.3% QoQ
|
-7.38% |
21.29%
-2.5% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
24% |
| Nonperforming Asset Ratio ? |
1.27%
+3.1% YoY
-10.6% QoQ
|
+0.60% |
0.67%
+15.6% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 14.1% in tier |
| Tier 1 Capital Ratio ? |
10.49%
+3.7% YoY
+1.3% QoQ
|
-4.67% |
15.16%
+2.0% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.6% in tier |
| Non-Interest Income / Assets ? |
0.89%
+2.9% YoY
-69.9% QoQ
|
+0.63% |
0.26%
+1.6% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
Top 3.4% 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 (2)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.