BlastPoint's Banking Scorecard

Bank of 1889

$100M-$1B Specialty: Other AR FDIC cert 3854

Berryville, AR

12 branches across AR

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

Bank of 1889 has 3 strengths but faces 1 concern

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 2.06% above tier average
+ ROA 0.60% above tier average
+ Efficiency Ratio 1.20% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.06% 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 ?	$334.7M +11.0% YoY +1.2% QoQ	-$51.4M	$386.1M +0.5% YoY	$2.3B +2.8% YoY	$6.2B +9.1% YoY	52%
Total Loans ?	$255.0M +6.4% YoY +0.9% QoQ	-$697K	$255.7M +1.1% YoY	$1.7B +6.4% YoY	$3.2B +10.8% YoY	60%
Total Deposits ?	$294.3M +11.4% YoY +0.8% QoQ	-$33.6M	$328.0M +0.1% YoY	$1.9B +3.0% YoY	$4.8B +8.2% YoY	54%
Return on Assets ?	1.87% -7.5% YoY -6.5% QoQ	+0.60%	1.27% +12.9% YoY	1.34% +14.2% YoY	1.23% +13.4% YoY	84%
Net Interest Margin ?	5.99% -4.2% YoY -5.7% QoQ	+2.06%	3.93% +6.0% YoY	4.08% +8.2% YoY	3.89% +5.7% YoY	Top 1.5% in tier
Efficiency Ratio ?	64.09% +0.4% YoY -1.8% QoQ	-1.20%	65.29% -4.5% YoY	61.77% -4.8% YoY	66.95% -4.1% YoY	47%
Delinquency Rate ?	0.95% -40.5% YoY -6.5% QoQ	+0.06%	0.89% +18.8% YoY	1.02% +24.4% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	86.64% -4.5% YoY +0.1% QoQ	+10.00%	76.64% +0.8% YoY	80.49% +1.3% YoY	76.70% +0.9% YoY	31%
Non-Interest-Bearing Deposit Share ?	16.98% +5.6% YoY +7.5% QoQ	-5.04%	22.02% -1.0% YoY	19.62% +0.8% YoY	22.01% -1.2% YoY	32%
Nonperforming Asset Ratio ?	0.76% -41.4% YoY -6.6% QoQ	+0.12%	0.64% +19.7% YoY	0.79% +32.8% YoY	0.67% +19.3% YoY	27%
Tier 1 Capital Ratio ?	11.10% -3.0% YoY +2.7% QoQ	-4.73%	15.83% +1.5% YoY	13.59% +0.0% YoY	17.06% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.10% -4.5% YoY -75.7% QoQ	-0.18%	0.28% +9.3% YoY	0.18% -3.1% YoY	0.32% +4.1% YoY	52%

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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 (2 metrics)

Net Interest Margin

profitability

Value: 5.99%

Peer Median: 3.93%

#40 of 2664 Top 1.5% in $100M-$1B

426

Return on Assets

profitability

Value: 1.87%

Peer Median: 1.27%

#426 of 2664 Top 16.0% in $100M-$1B

Top Weaknesses (1 metrics)

2023

Tier 1 Capital Ratio

capital

Value: 11.10%

Peer Median: 15.83%

#2023 of 2664 Bottom 24.1% in $100M-$1B