BlastPoint's Banking Scorecard

Stone Bank

$100M-$1B Specialty: Agricultural AR FDIC cert 17431

Mountain View, AR

6 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in AR.
Deposits +9.7% year over year ($757.7M on the books).
Delinquency rate 1.05%.
Return on assets 1.68%.
Efficiency ratio 52.72% vs a 64.48% peer average.
Loan-to-deposit ratio 97.09% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in AR

View $100M-$1B leaderboard (AR) →

Stone Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 8.2% in tier
+ ROA 0.36% above tier average
+ Efficiency Ratio 11.76% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 17.83% below tier average
- Net Interest Margin 0.88% below tier average
- Delinquency Rate 0.13% above tier average

Get updates when Stone Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$950.7M +8.8% YoY +6.2% QoQ	+$564.1M	$386.6M +1.2% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	Top 1.6% in tier
Total Loans ?	$735.7M +9.2% YoY +7.0% QoQ	+$477.4M	$258.3M +1.7% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	Top 1.3% in tier
Total Deposits ?	$757.7M +9.7% YoY +5.9% QoQ	+$431.0M	$326.7M +0.7% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	Top 4.0% in tier
Return on Assets ?	1.68% +61.6% YoY -9.9% QoQ	+0.36%	1.32% +10.8% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	75%
Net Interest Margin ?	3.11% +17.9% YoY +0.8% QoQ	-0.88%	3.99% +5.0% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	Bottom 12.9% in tier
Efficiency Ratio ?	52.72% -13.6% YoY +4.3% QoQ	-11.76%	64.48% -3.2% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	78%
Delinquency Rate ?	1.05% -30.6% YoY -28.6% QoQ	+0.13%	0.92% +15.7% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	27%
Loan-to-Deposit Ratio ?	97.09% -0.5% YoY +1.0% QoQ	+19.14%	77.95% +1.0% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	Bottom 13.5% in tier
Non-Interest-Bearing Deposit Share ?	4.20% +8.6% YoY +9.6% QoQ	-17.83%	22.03% -0.6% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	Bottom 3.0% in tier
Nonperforming Asset Ratio ?	1.52% +29.9% YoY -17.0% QoQ	+0.85%	0.67% +16.4% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	Bottom 11.8% in tier
Tier 1 Capital Ratio ?	10.40% +0.4% YoY -2.1% QoQ	-5.51%	15.91% +1.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	15%
Non-Interest Income / Assets ?	1.20% +66.6% YoY +71.9% QoQ	+0.63%	0.57% +7.6% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	Top 2.7% in tier

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	4.2% +0.3pp YoY +0.4pp QoQ	-17.9pp	22.1%	19.6%	22.2%	2%
Brokered Deposits	4.8% -1.7pp YoY -0.3pp QoQ	-3.1pp	7.9%	7.2%	8.5%	50%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	11.0% -0.6pp YoY -0.4pp QoQ	-0.5pp	11.6%	12.7%	12.5%	58%
CRE	47.5% +1.3pp YoY -0.4pp QoQ	+7.9pp	39.5%	41.0%	41.4%	66%
1-4 Family	15.3% -1.3pp YoY -0.4pp QoQ	-17.3pp	32.6%	28.1%	31.3%	20%
Consumer	0.7% -0.1pp YoY 0.0pp QoQ	-3.4pp	4.1%	4.5%	5.0%	21%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	10.4% +0.1pp YoY -0.2pp QoQ	-8.4pp	18.8%	15.1%	19.7%	4%
Leverage Ratio	8.4% 0.0pp YoY -0.3pp QoQ	-3.8pp	12.2%	11.9%	12.6%	4%
Total Capital Ratio	11.7% 0.0pp YoY -0.2pp QoQ	-8.3pp	19.9%	16.3%	20.8%	5%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	153 +23 (+17.7%) YoY +11 (+7.7%) QoQ	+94	58	315	482	98%
Assets per Employee ($)	$6.2M -7.6% YoY -1.4% QoQ	-$1.3M	$7.5M	$6.7M	$8.8M	37%
Branch Count	6 0 YoY 0 QoQ	+1	4	25	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	1.1% -0.5pp YoY -0.4pp QoQ	+0.1pp	0.9%	1.1%	1.0%	72%
Allowance Coverage	1.37x +42.5% YoY +31.5% QoQ	-22.79x	24.15x	4.69x	20.23x	37%
Net Charge-off Rate (YTD)	0.3% +0.2pp YoY 0.0pp QoQ	+0.1pp	0.1%	0.2%	0.2%	89%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	21.0% +7.3pp YoY -2.1pp QoQ	+8.8pp	12.2%	12.3%	11.6%	90%
Cost of Funds (YTD)	3.4% -0.2pp YoY 0.0pp QoQ	+1.7pp	1.7%	2.0%	1.7%	100%
Net Income ($, YTD)	$7.6M +71.9% YoY — QoQ	+$5.1M	$2.6M	$16.0M	$40.4M	97%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#55 of 661 • Top 8.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.20%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.68%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Total Loans

size

Value: $735.71M

Peer Median: $258.35M

#36 of 2643 Top 1.3% in $100M-$1B

Total Assets

size

Value: $950.69M

Peer Median: $386.57M

#44 of 2643 Top 1.6% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 1.20%

Peer Median: 0.57%

#72 of 2643 Top 2.7% in $100M-$1B

108

Total Deposits

size

Value: $757.73M

Peer Median: $326.73M

#108 of 2643 Top 4.0% in $100M-$1B

594

Efficiency Ratio

profitability

Value: 52.72%

Peer Median: 64.48%

#594 of 2643 Top 22.4% in $100M-$1B

Top Weaknesses (5 metrics)

2566

Non-Interest-Bearing Deposit Share

funding

Value: 4.20%

Peer Median: 22.03%

#2566 of 2643 Bottom 3.0% in $100M-$1B

2331

Nonperforming Asset Ratio

credit_quality

Value: 1.52%

Peer Median: 0.67%

#2331 of 2643 Bottom 11.8% in $100M-$1B

2303

Net Interest Margin

profitability

Value: 3.11%

Peer Median: 3.99%

#2303 of 2643 Bottom 12.9% in $100M-$1B

2286

Loan-to-Deposit Ratio

liquidity

Value: 97.09%

Peer Median: 77.95%

#2286 of 2643 Bottom 13.5% in $100M-$1B

2235

Tier 1 Capital Ratio

capital

Value: 10.40%

Peer Median: 15.91%

#2235 of 2643 Bottom 15.5% in $100M-$1B