BlastPoint's Banking Scorecard
Today's Bank
Huntsville, AR
11 branches across AR
Today's Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.30% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 25.6% in tier
- - Deposit Outflow: Bottom 37.9% in tier
- - Non-Interest-Bearing Deposit Share 14.99% below tier average
- - ROA 0.56% below tier average
- - Net Interest Margin 0.09% below tier average
- - Efficiency Ratio 12.29% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$347.6M
+0.7% YoY
-0.9% QoQ
|
-$38.5M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
54% |
| Total Loans ? |
$240.2M
+1.9% YoY
+3.4% QoQ
|
-$15.5M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$294.6M
-0.5% YoY
-2.1% QoQ
|
-$33.4M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
0.71%
+9.1% YoY
+4.3% QoQ
|
-0.56% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
3.84%
+9.5% YoY
+4.6% QoQ
|
-0.09% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
49% |
| Efficiency Ratio ? |
77.58%
-4.7% YoY
-4.2% QoQ
|
+12.29% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
19% |
| Delinquency Rate ? |
0.58%
-64.0% YoY
+148.3% QoQ
|
-0.30% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
81.53%
+2.4% YoY
+5.7% QoQ
|
+4.89% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
7.03%
-20.6% YoY
-6.4% QoQ
|
-14.99% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.8% in tier |
| Nonperforming Asset Ratio ? |
0.55%
-50.4% YoY
+49.4% QoQ
|
-0.09% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
35% |
| Tier 1 Capital Ratio ? |
13.61%
+6.8% YoY
+1.7% QoQ
|
-2.22% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.04%
-27.2% YoY
-79.1% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
16% |
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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 (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.