BlastPoint's Banking Scorecard

First National Bank of Eastern Arkansas

$100M-$1B Specialty: Commercial AR FDIC cert 3863

Forrest City, AR

15 branches across AR · TN

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

First National Bank of Eastern Arkansas has 3 strengths but faces 4 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

+ Non-Interest-Bearing Deposit Share 14.21% above tier average
+ Efficiency Ratio 1.94% below tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 14.7% in tier
- Credit Risk Growth: Bottom 23.3% in tier
- Margin Compression: Bottom 49.8% in tier
- Net Interest Margin 0.16% below 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 ?	$614.9M +8.4% YoY +3.2% QoQ	+$228.9M	$386.1M +0.5% YoY	$2.3B +2.8% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$360.1M +6.5% YoY +0.7% QoQ	+$104.4M	$255.7M +1.1% YoY	$1.7B +6.4% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$542.8M +8.2% YoY +3.7% QoQ	+$214.8M	$328.0M +0.1% YoY	$1.9B +3.0% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	1.07% -9.7% YoY -24.6% QoQ	-0.20%	1.27% +12.9% YoY	1.34% +14.2% YoY	1.23% +13.4% YoY	42%
Net Interest Margin ?	3.77% +0.9% YoY -4.5% QoQ	-0.16%	3.93% +6.0% YoY	4.08% +8.2% YoY	3.89% +5.7% YoY	45%
Efficiency Ratio ?	63.35% +1.8% YoY +8.3% QoQ	-1.94%	65.29% -4.5% YoY	61.77% -4.8% YoY	66.95% -4.1% YoY	50%
Delinquency Rate ?	0.11% +316.2% YoY +425.5% QoQ	-0.78%	0.89% +18.8% YoY	1.02% +24.4% YoY	0.95% +18.8% YoY	73%
Loan-to-Deposit Ratio ?	66.35% -1.6% YoY -2.9% QoQ	-10.29%	76.64% +0.8% YoY	80.49% +1.3% YoY	76.70% +0.9% YoY	73%
Non-Interest-Bearing Deposit Share ?	36.23% -6.3% YoY +0.8% QoQ	+14.21%	22.02% -1.0% YoY	19.62% +0.8% YoY	22.01% -1.2% YoY	Top 8.5% in tier
Nonperforming Asset Ratio ?	0.06% +308.5% YoY +412.7% QoQ	-0.58%	0.64% +19.7% YoY	0.79% +32.8% YoY	0.67% +19.3% YoY	76%
Tier 1 Capital Ratio ?	11.19% +1.3% YoY -2.8% QoQ	-4.64%	15.83% +1.5% YoY	13.59% +0.0% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.09% -26.8% YoY -75.2% QoQ	-0.19%	0.28% +9.3% YoY	0.18% -3.1% YoY	0.32% +4.1% YoY	43%

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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 (3)

Credit Quality Pressure

risk

#193 of 1308 • Bottom 14.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.11%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Credit Risk Growth

risk

#228 of 973 • Bottom 23.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Margin Compression

decline

#153 of 305 • Bottom 49.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.07%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

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 (5 metrics)

228

Non-Interest-Bearing Deposit Share

funding

Value: 36.23%

Peer Median: 22.02%

#228 of 2664 Top 8.5% in $100M-$1B

449

Total Deposits

size

Value: $542.78M

Peer Median: $327.97M

#449 of 2664 Top 16.8% in $100M-$1B

493

Total Assets

size

Value: $614.95M

Peer Median: $386.08M

#493 of 2664 Top 18.5% in $100M-$1B

649

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#649 of 2664 Top 24.3% in $100M-$1B

654

Total Loans

size

Value: $360.12M

Peer Median: $255.72M

#654 of 2664 Top 24.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available