BlastPoint

BlastPoint's Banking Scorecard

Today's Bank

$100M-$1B Specialty: Commercial AR FDIC cert 33470

Huntsville, AR

11 branches across AR

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in AR.
  • Deposits -1.9% year over year ($294.6M on the books).
  • Delinquency rate 0.75%.
  • Return on assets 0.75%.
  • Efficiency ratio 78.62% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.79% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in AR
View $100M-$1B leaderboard (AR) →

Today's 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

  • + Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 33.3% in tier
  • - Deposit Outflow: Bottom 36.8% in tier
  • - Non-Interest-Bearing Deposit Share 15.10% below tier average
  • - ROA 0.57% below tier average
  • - Net Interest Margin 0.13% below tier average
  • - Efficiency Ratio 14.14% above tier average
Get updates when Today's Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $351.0M
+1.4% YoY +1.0% QoQ
-$35.5M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
54%
Total Loans ? $243.9M
+7.8% YoY +1.5% QoQ
-$14.5M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
58%
Total Deposits ? $294.6M
-1.9% YoY -0.0% QoQ
-$32.1M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
54%
Return on Assets ? 0.75%
+12.6% YoY +4.9% QoQ
-0.57% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
21%
Net Interest Margin ? 3.86%
+8.8% YoY +0.4% QoQ
-0.13% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
45%
Efficiency Ratio ? 78.62%
-3.5% YoY +1.3% QoQ
+14.14% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
15%
Delinquency Rate ? 0.75%
+28.5% QoQ
-0.17% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
36%
Loan-to-Deposit Ratio ? 82.79%
+9.9% YoY +1.5% QoQ
+4.84% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
44%
Non-Interest-Bearing Deposit Share ? 6.94%
-10.4% YoY -1.4% QoQ
-15.10% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
Bottom 5.7% in tier
Nonperforming Asset Ratio ? 0.68%
+212.8% YoY +23.4% QoQ
+0.01% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
31%
Tier 1 Capital Ratio ? 13.81%
+3.3% YoY +1.5% QoQ
-2.10% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
56%
Non-Interest Income / Assets ? 0.10%
-28.8% YoY +125.5% QoQ
-0.47% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
17%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Noninterest-Bearing 6.9%
-0.8pp YoY
-0.1pp QoQ
 -15.2pp 22.1% 19.6% 22.2% 5%
Brokered Deposits n/a n/a 7.9% 7.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 4.5%
-0.8pp YoY
-0.4pp QoQ
 -7.1pp 11.6% 12.7% 12.5% 17%
CRE 54.0%
+1.6pp YoY
+0.6pp QoQ
 +14.5pp 39.5% 41.0% 41.4% 76%
1-4 Family 35.6%
-1.0pp YoY
-0.8pp QoQ
 +2.9pp 32.6% 28.1% 31.3% 63%
Consumer 1.7%
-0.3pp YoY
-0.1pp QoQ
 -2.5pp 4.1% 4.5% 5.0% 42%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio 13.8%
+0.4pp YoY
+0.2pp QoQ
 -5.0pp 18.8% 15.1% 19.7% 37%
Leverage Ratio 9.5%
+0.6pp YoY
+0.2pp QoQ
 -2.6pp 12.2% 11.9% 12.6% 22%
Total Capital Ratio 15.1%
+0.4pp YoY
+0.2pp QoQ
 -4.9pp 19.9% 16.3% 20.8% 38%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 72
-1 (-1.4%) YoY
+1 (+1.4%) QoQ
 +13 58 315 482 72%
Assets per Employee ($) $4.9M
+2.8% YoY
-0.4% QoQ
 -$2.6M $7.5M $6.7M $8.8M 13%
Branch Count 11
-1 (-8.3%) YoY
0 QoQ
 +6 4 25 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.7%
+0.7pp YoY
+0.2pp QoQ
 -0.2pp 0.9% 1.1% 1.0% 64%
Allowance Coverage 1.65x
-95.1% YoY
-23.6% QoQ
 -22.50x 24.15x 4.69x 20.23x 42%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.2% 0.2% 42%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 9.8%
0.0pp YoY
+0.4pp QoQ
 -2.4pp 12.2% 12.3% 11.6% 36%
Cost of Funds (YTD) 2.5%
-0.3pp YoY
0.0pp QoQ
 +0.8pp 1.7% 2.0% 1.7% 91%
Net Income ($, YTD) $1.3M
+15.0% YoY
— QoQ
 -$1.2M $2.6M $16.0M $40.4M 36%

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)

Flatlined Growth

risk
#177 of 529 • Bottom 33.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.75%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#198 of 535 • Bottom 36.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2493
Non-Interest-Bearing Deposit Share
funding
Value: 6.94%
Peer Median: 22.03%
#2493 of 2643 Bottom 5.7% in $100M-$1B
2240
Efficiency Ratio
profitability
Value: 78.62%
Peer Median: 64.48%
#2240 of 2643 Bottom 15.3% in $100M-$1B
2192
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2192 of 2643 Bottom 17.1% in $100M-$1B
2093
Return on Assets
profitability
Value: 0.75%
Peer Median: 1.32%
#2093 of 2643 Bottom 20.8% in $100M-$1B
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