BlastPoint

BlastPoint's Banking Scorecard

Eagle Bank and Trust Company

$100M-$1B Specialty: Commercial AR FDIC cert 3873

Little Rock, AR

13 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 +4.4% year over year ($433.0M on the books).
  • Delinquency rate 0.66%.
  • Return on assets 1.04%.
  • Efficiency ratio 81.68% vs a 64.48% peer average.
  • Loan-to-deposit ratio 51.60% 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) →

Eagle Bank and Trust Company 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

  • + Revenue Diversifier: Top 13.6% in tier
  • + Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.28% below tier average
  • - Net Interest Margin 0.27% below tier average
  • - Efficiency Ratio 17.20% above tier average
Get updates when Eagle Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $505.7M
+5.5% YoY +1.4% QoQ
+$119.1M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $223.4M
+12.1% YoY +2.2% QoQ
-$34.9M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
53%
Total Deposits ? $433.0M
+4.4% YoY +1.2% QoQ
+$106.3M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
73%
Return on Assets ? 1.04%
+68.4% YoY -9.6% QoQ
-0.28% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
36%
Net Interest Margin ? 3.72%
+10.0% YoY -1.3% QoQ
-0.27% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
38%
Efficiency Ratio ? 81.68%
-6.9% YoY +4.2% QoQ
+17.20% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
Bottom 12.0% in tier
Delinquency Rate ? 0.66%
-1.3% YoY +11.0% QoQ
-0.26% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
39%
Loan-to-Deposit Ratio ? 51.60%
+7.4% YoY +1.0% QoQ
-26.35% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
Top 9.3% in tier
Non-Interest-Bearing Deposit Share ? 19.63%
-11.7% YoY -5.0% QoQ
-2.40% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
44%
Nonperforming Asset Ratio ? 0.36%
+28.8% YoY +9.0% QoQ
-0.31% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
47%
Tier 1 Capital Ratio ? 16.35%
+1.4% YoY +0.3% QoQ
+0.44% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
74%
Non-Interest Income / Assets ? 1.80%
+8.2% YoY +107.6% QoQ
+1.23% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
Top 1.9% in tier

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 19.6%
-2.6pp YoY
-1.0pp QoQ
 -2.5pp 22.1% 19.6% 22.2% 44%
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 8.0%
+4.0pp YoY
+2.0pp QoQ
 -3.5pp 11.6% 12.7% 12.5% 40%
CRE 53.9%
+4.4pp YoY
+1.1pp QoQ
 +14.3pp 39.5% 41.0% 41.4% 76%
1-4 Family 38.2%
-8.2pp YoY
-3.1pp QoQ
 +5.6pp 32.6% 28.1% 31.3% 67%
Consumer 0.8%
-0.2pp YoY
0.0pp QoQ
 -3.3pp 4.1% 4.5% 5.0% 25%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 16.4%
+0.2pp YoY
+0.1pp QoQ
 +4.2pp 12.2% 11.9% 12.6% 91%
Total Capital Ratio n/a n/a 19.9% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 167
-1 (-0.6%) YoY
+2 (+1.2%) QoQ
 +108 58 315 482 98%
Assets per Employee ($) $3.0M
+6.1% YoY
+0.2% QoQ
 -$4.5M $7.5M $6.7M $8.8M 2%
Branch Count 13
0 YoY
0 QoQ
 +8 4 25 18 96%

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%
0.0pp YoY
+0.1pp QoQ
 -0.3pp 0.9% 1.1% 1.0% 60%
Allowance Coverage 1.87x
+1.1% YoY
-6.6% QoQ
 -22.28x 24.15x 4.69x 20.23x 46%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 72%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 7.8%
+2.8pp YoY
-0.9pp QoQ
 -4.4pp 12.2% 12.3% 11.6% 24%
Cost of Funds (YTD) 1.5%
0.0pp YoY
0.0pp QoQ
 -0.2pp 1.7% 2.0% 1.7% 39%
Net Income ($, YTD) $2.6M
+74.9% YoY
— QoQ
 +$43K $2.6M $16.0M $40.4M 64%

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 (1)

Revenue Diversifier

growth
#91 of 661 • Top 13.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.80%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.04%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

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

Top Strengths (2 metrics)

50
Non-Interest Income / Assets
revenue_mix
Value: 1.80%
Peer Median: 0.57%
#50 of 2643 Top 1.9% in $100M-$1B
248
Loan-to-Deposit Ratio
liquidity
Value: 51.60%
Peer Median: 77.95%
#248 of 2643 Top 9.3% in $100M-$1B

Top Weaknesses (1 metrics)

2328
Efficiency Ratio
profitability
Value: 81.68%
Peer Median: 64.48%
#2328 of 2643 Bottom 12.0% in $100M-$1B
Powered by BlastPoint © 2026