BlastPoint's Banking Scorecard
Eagle Bank and Trust Company
Little Rock, AR
13 branches across AR
Eagle Bank and Trust Company has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 12.8% in tier
- + Delinquency Rate 0.29% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 31.5% in tier
- - ROA 0.12% below tier average
- - Net Interest Margin 0.17% below tier average
- - Efficiency Ratio 13.08% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$498.6M
+2.6% YoY
+0.1% QoQ
|
+$112.5M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
72% |
| Total Loans ? |
$218.6M
+14.5% YoY
+4.1% QoQ
|
-$37.1M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
53% |
| Total Deposits ? |
$427.8M
+1.5% YoY
+0.1% QoQ
|
+$99.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
73% |
| Return on Assets ? |
1.15%
+209.7% YoY
+64.2% QoQ
|
-0.12% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
47% |
| Net Interest Margin ? |
3.76%
+16.6% YoY
+8.7% QoQ
|
-0.17% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
45% |
| Efficiency Ratio ? |
78.37%
-15.7% YoY
-8.2% QoQ
|
+13.08% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
17% |
| Delinquency Rate ? |
0.59%
+20.4% YoY
-13.8% QoQ
|
-0.29% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
51.10%
+12.9% YoY
+4.0% QoQ
|
-25.53% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
Top 10.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.67%
+2.8% YoY
-5.3% QoQ
|
-1.35% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.33%
+37.3% YoY
-9.2% QoQ
|
-0.31% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
48% |
| Tier 1 Capital Ratio ? |
16.30%
+1.9% YoY
+0.1% QoQ
|
+0.47% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.87%
+22.9% YoY
-74.9% QoQ
|
+0.59% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
Top 1.8% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.