BlastPoint's Banking Scorecard
Stone Bank
Mountain View, AR
6 branches across AR
Stone Bank has 3 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 7.4% in tier
- + Profitability Leader: Top 14.4% in tier
- + Efficiency Ratio 14.74% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 12.1% in tier
- - Liquidity Strain: Bottom 35.0% in tier
- - Credit Quality Pressure: Bottom 49.4% in tier
- - Non-Interest-Bearing Deposit Share 18.19% below tier average
- - Nonperforming Asset Ratio 1.19% above tier average
- - Net Interest Margin 0.85% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$895.0M
+5.0% YoY
+1.4% QoQ
|
+$508.9M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
Top 3.9% in tier |
| Total Loans ? |
$687.3M
+4.5% YoY
+1.0% QoQ
|
+$431.6M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
Top 2.7% in tier |
| Total Deposits ? |
$715.3M
+8.9% YoY
+1.6% QoQ
|
+$387.3M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
Top 5.9% in tier |
| Return on Assets ? |
1.86%
+80.4% YoY
+52.7% QoQ
|
+0.59% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
84% |
| Net Interest Margin ? |
3.08%
+15.5% YoY
+5.8% QoQ
|
-0.85% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.8% in tier |
| Efficiency Ratio ? |
50.55%
-14.7% YoY
-15.4% QoQ
|
-14.74% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
83% |
| Delinquency Rate ? |
1.47%
+5.7% YoY
+6.9% QoQ
|
+0.58% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
96.08%
-4.0% YoY
-0.6% QoQ
|
+19.45% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.83%
-6.1% YoY
-4.0% QoQ
|
-18.19% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 2.7% in tier |
| Nonperforming Asset Ratio ? |
1.83%
+69.9% YoY
+38.8% QoQ
|
+1.19% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 8.1% in tier |
| Tier 1 Capital Ratio ? |
10.62%
-2.0% YoY
+0.1% QoQ
|
-5.21% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.70%
+120.5% YoY
-59.6% QoQ
|
+0.42% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
Top 2.5% 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 (2)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.