BlastPoint's Banking Scorecard

Central Bank

$100M-$1B Specialty: Commercial AR FDIC cert 1756

Little Rock, AR

3 branches across AR

2664 banks in the $100M-$1B peer group nationally 50 in AR

Central Bank has 1 strength but faces 6 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

+ Efficiency Ratio 31.63% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 7.1% in tier
- Margin Compression: Bottom 48.2% in tier
- Delinquency Rate 4.01% above tier average
- Loan-to-Deposit Ratio 32.31% above tier average
- Nonperforming Asset Ratio 3.55% above tier average
- Net Interest Margin 0.63% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$937.6M +24.9% YoY +6.8% QoQ	+$551.5M	$386.1M +0.5% YoY	$2.3B +2.8% YoY	$6.2B +9.1% YoY	Top 2.4% in tier
Total Loans ?	$802.1M +27.0% YoY +6.8% QoQ	+$546.4M	$255.7M +1.1% YoY	$1.7B +6.4% YoY	$3.2B +10.8% YoY	Top 0.3% in tier
Total Deposits ?	$736.2M +19.6% YoY +5.7% QoQ	+$408.2M	$328.0M +0.1% YoY	$1.9B +3.0% YoY	$4.8B +8.2% YoY	Top 5.1% in tier
Return on Assets ?	1.18% -36.7% YoY -15.5% QoQ	-0.09%	1.27% +12.9% YoY	1.34% +14.2% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	3.30% -10.9% YoY -4.6% QoQ	-0.63%	3.93% +6.0% YoY	4.08% +8.2% YoY	3.89% +5.7% YoY	21%
Efficiency Ratio ?	33.66% +34.5% YoY +10.1% QoQ	-31.63%	65.29% -4.5% YoY	61.77% -4.8% YoY	66.95% -4.1% YoY	Top 1.5% in tier
Delinquency Rate ?	4.90% +314.8% YoY +183.4% QoQ	+4.01%	0.89% +18.8% YoY	1.02% +24.4% YoY	0.95% +18.8% YoY	Bottom 2.2% in tier
Loan-to-Deposit Ratio ?	108.95% +6.2% YoY +1.0% QoQ	+32.31%	76.64% +0.8% YoY	80.49% +1.3% YoY	76.70% +0.9% YoY	Bottom 3.3% in tier
Non-Interest-Bearing Deposit Share ?	10.11% -15.3% YoY +2.2% QoQ	-11.91%	22.02% -1.0% YoY	19.62% +0.8% YoY	22.01% -1.2% YoY	Bottom 11.0% in tier
Nonperforming Asset Ratio ?	4.19% +321.9% YoY +183.3% QoQ	+3.55%	0.64% +19.7% YoY	0.79% +32.8% YoY	0.67% +19.3% YoY	Bottom 1.4% in tier
Tier 1 Capital Ratio ?	10.23% -7.6% YoY -0.4% QoQ	-5.60%	15.83% +1.5% YoY	13.59% +0.0% YoY	17.06% +0.8% YoY	Bottom 12.5% in tier
Non-Interest Income / Assets ?	0.07% -31.4% YoY -78.4% QoQ	-0.21%	0.28% +9.3% YoY	0.18% -3.1% YoY	0.32% +4.1% YoY	29%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Cost Spiral

risk

#10 of 126 • Bottom 7.1% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 33.66%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Margin Compression

decline

#148 of 305 • Bottom 48.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.18%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Total Loans

size

Value: $802.10M

Peer Median: $255.72M

#8 of 2664 Top 0.3% in $100M-$1B

Efficiency Ratio

profitability

Value: 33.66%

Peer Median: 65.29%

#41 of 2664 Top 1.5% in $100M-$1B

Total Assets

size

Value: $937.59M

Peer Median: $386.08M

#65 of 2664 Top 2.4% in $100M-$1B

136

Total Deposits

size

Value: $736.20M

Peer Median: $327.97M

#136 of 2664 Top 5.1% in $100M-$1B

Top Weaknesses (6 metrics)

2628

Nonperforming Asset Ratio

credit_quality

Value: 4.19%

Peer Median: 0.64%

#2628 of 2664 Bottom 1.4% in $100M-$1B

2596

Delinquency Rate

credit_quality

Value: 4.90%

Peer Median: 0.89%

#2596 of 2654 Bottom 2.2% in $100M-$1B

2576

Loan-to-Deposit Ratio

liquidity

Value: 108.95%

Peer Median: 76.64%

#2576 of 2664 Bottom 3.3% in $100M-$1B

2371

Non-Interest-Bearing Deposit Share

funding

Value: 10.11%

Peer Median: 22.02%

#2371 of 2664 Bottom 11.0% in $100M-$1B

2331

Tier 1 Capital Ratio

capital

Value: 10.23%

Peer Median: 15.83%

#2331 of 2664 Bottom 12.5% in $100M-$1B

2093

Net Interest Margin

profitability

Value: 3.30%

Peer Median: 3.93%

#2093 of 2664 Bottom 21.5% in $100M-$1B