BlastPoint's Banking Scorecard

United Bank

$100M-$1B Specialty: Commercial AR FDIC cert 32025

Springdale, AR

5 branches across AR

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

United Bank has 2 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

+ Net Interest Margin 0.45% above tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.14% below tier average
- Efficiency Ratio 5.69% above 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 ?	$319.5M +9.6% YoY +7.3% QoQ	-$66.6M	$386.1M +0.5% YoY	$2.3B +2.8% YoY	$6.2B +9.1% YoY	49%
Total Loans ?	$245.1M +2.3% YoY -2.9% QoQ	-$10.7M	$255.7M +1.1% YoY	$1.7B +6.4% YoY	$3.2B +10.8% YoY	58%
Total Deposits ?	$284.0M +15.7% YoY +7.8% QoQ	-$44.0M	$328.0M +0.1% YoY	$1.9B +3.0% YoY	$4.8B +8.2% YoY	52%
Return on Assets ?	1.13% +65.0% YoY +25.2% QoQ	-0.14%	1.27% +12.9% YoY	1.34% +14.2% YoY	1.23% +13.4% YoY	46%
Net Interest Margin ?	4.38% +12.2% YoY +2.9% QoQ	+0.45%	3.93% +6.0% YoY	4.08% +8.2% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	70.97% -10.6% YoY -4.9% QoQ	+5.69%	65.29% -4.5% YoY	61.77% -4.8% YoY	66.95% -4.1% YoY	30%
Delinquency Rate ?	0.12% -55.4% YoY -6.0% QoQ	-0.77%	0.89% +18.8% YoY	1.02% +24.4% YoY	0.95% +18.8% YoY	72%
Loan-to-Deposit Ratio ?	86.29% -11.6% YoY -10.0% QoQ	+9.65%	76.64% +0.8% YoY	80.49% +1.3% YoY	76.70% +0.9% YoY	32%
Non-Interest-Bearing Deposit Share ?	14.15% -5.5% YoY +19.9% QoQ	-7.87%	22.02% -1.0% YoY	19.62% +0.8% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	0.09% -58.3% YoY -14.9% QoQ	-0.55%	0.64% +19.7% YoY	0.79% +32.8% YoY	0.67% +19.3% YoY	71%
Tier 1 Capital Ratio ?	13.09% +1.0% YoY +4.3% QoQ	-2.74%	15.83% +1.5% YoY	13.59% +0.0% YoY	17.06% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.03% -16.6% YoY -82.9% QoQ	-0.25%	0.28% +9.3% YoY	0.18% -3.1% YoY	0.32% +4.1% YoY	Bottom 9.8% in tier

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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 (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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

613

Net Interest Margin

profitability

Value: 4.38%

Peer Median: 3.93%

#613 of 2664 Top 23.0% in $100M-$1B

Top Weaknesses (2 metrics)

2404

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2404 of 2664 Bottom 9.8% in $100M-$1B

2109

Non-Interest-Bearing Deposit Share

funding

Value: 14.15%

Peer Median: 22.02%

#2109 of 2664 Bottom 20.9% in $100M-$1B