BlastPoint's Banking Scorecard
First State Bank of DeQueen
De Queen, AR
7 branches across AR
First State Bank of DeQueen has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.25% above tier average
- + Efficiency Ratio 12.76% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 30.8% in tier
- - Net Interest Margin 0.60% below tier average
- - Delinquency Rate 0.28% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$516.6M
+20.1% YoY
+2.9% QoQ
|
+$130.5M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
73% |
| Total Loans ? |
$284.5M
+10.4% YoY
+1.5% QoQ
|
+$28.8M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
65% |
| Total Deposits ? |
$470.7M
+24.8% YoY
+4.2% QoQ
|
+$142.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
77% |
| Return on Assets ? |
1.52%
+11.3% YoY
+8.4% QoQ
|
+0.25% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
3.33%
+3.9% YoY
-0.2% QoQ
|
-0.60% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
23% |
| Efficiency Ratio ? |
52.53%
-8.5% YoY
-6.3% QoQ
|
-12.76% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
79% |
| Delinquency Rate ? |
1.17%
-0.8% YoY
-2.1% QoQ
|
+0.28% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
60.44%
-11.6% YoY
-2.5% QoQ
|
-16.20% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
7.47%
-25.8% YoY
-4.7% QoQ
|
-14.55% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 6.4% in tier |
| Nonperforming Asset Ratio ? |
0.66%
-6.3% YoY
-0.7% QoQ
|
+0.02% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
8.43%
-7.0% YoY
-8.7% QoQ
|
-7.40% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 0.1% in tier |
| Non-Interest Income / Assets ? |
0.08%
-25.7% YoY
-77.3% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
39% |
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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 (0)
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.