BlastPoint's Banking Scorecard
First National Bank of Clarksdale
Designations: ✓ CDFI-certified
Clarksdale, MS
5 branches across MS
First National Bank of Clarksdale has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.23% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 13.5% in tier
- - Deposit Outflow: Bottom 20.5% in tier
- - ROA 0.39% below tier average
- - Net Interest Margin 0.58% below tier average
- - Efficiency Ratio 4.45% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$392.8M
-1.7% YoY
-0.1% QoQ
|
+$6.7M |
$386.1M
+0.5% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
60% |
| Total Loans ? |
$241.6M
+15.4% YoY
-1.9% QoQ
|
-$14.1M |
$255.7M
+1.1% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$350.0M
-2.5% YoY
-0.3% QoQ
|
+$22.1M |
$328.0M
+0.1% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
63% |
| Return on Assets ? |
0.88%
-6.0% YoY
+0.3% QoQ
|
-0.39% |
1.27%
+12.9% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
30% |
| Net Interest Margin ? |
3.35%
+2.8% YoY
-1.4% QoQ
|
-0.58% |
3.93%
+6.0% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
24% |
| Efficiency Ratio ? |
69.74%
+3.5% YoY
+3.4% QoQ
|
+4.45% |
65.29%
-4.5% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
0.66%
-13.4% YoY
+2.0% QoQ
|
-0.23% |
0.89%
+18.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
69.01%
+18.4% YoY
-1.6% QoQ
|
-7.63% |
76.64%
+0.8% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
25.13%
-6.9% YoY
-0.5% QoQ
|
+3.11% |
22.02%
-1.0% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.41%
-0.3% YoY
+0.1% QoQ
|
-0.23% |
0.64%
+19.7% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
12.35%
+1.0% YoY
-1.7% QoQ
|
-3.48% |
15.83%
+1.5% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.13%
-3.1% YoY
-66.2% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
66% |
Get Full Access to First National Bank of Clarksdale
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.