BlastPoint's Banking Scorecard
First National Bank
Paragould, AR
23 branches across AR · TN
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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in AR.
- Deposits +2.6% year over year ($2.1B on the books).
- Delinquency rate 0.19%.
- Return on assets 1.20%.
- Efficiency ratio 57.43% vs a 59.73% peer average.
- Loan-to-deposit ratio 97.85% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.30% below tier average
- + Delinquency Rate 0.67% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 41.3% in tier
- - ROA 0.19% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+3.2% YoY
+1.2% QoQ
|
-$207.7M |
$2.8B
-0.6% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
63% |
| Total Loans ? |
$2.1B
+5.1% YoY
+2.7% QoQ
|
+$113.7M |
$2.0B
-0.3% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
69% |
| Total Deposits ? |
$2.1B
+2.6% YoY
+0.2% QoQ
|
-$196.2M |
$2.3B
-0.5% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
62% |
| Return on Assets ? |
1.20%
+12.3% YoY
+7.7% QoQ
|
-0.19% |
1.39%
+17.0% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
44% |
| Net Interest Margin ? |
3.86%
+11.1% YoY
+2.6% QoQ
|
-0.01% |
3.87%
+6.2% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
60% |
| Efficiency Ratio ? |
57.43%
-2.8% YoY
-1.6% QoQ
|
-2.30% |
59.73%
-12.6% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
0.19%
-49.4% YoY
+4.9% QoQ
|
-0.67% |
0.87%
+11.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
97.85%
+2.4% YoY
+2.4% QoQ
|
+12.81% |
85.04%
-0.1% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
11.39%
+2.1% YoY
-5.3% QoQ
|
-9.88% |
21.27%
-1.5% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
Bottom 14.1% in tier |
| Nonperforming Asset Ratio ? |
0.15%
-50.4% YoY
+4.6% QoQ
|
-0.52% |
0.67%
+11.7% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
13.42%
-0.4% YoY
-1.6% QoQ
|
-1.42% |
14.84%
-0.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.30%
-1.2% YoY
+104.6% QoQ
|
-0.22% |
0.53%
+2.5% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
53% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
11.4%
+0.2pp YoY -0.6pp QoQ |
-10.0pp | 21.4% | 19.6% | 22.2% | 14% |
| Brokered Deposits |
6.7%
+0.7pp YoY +0.9pp QoQ |
-2.8pp | 9.5% | 7.2% | 8.5% | 57% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.0%
+0.1pp YoY -0.2pp QoQ |
-6.0pp | 14.0% | 12.7% | 12.5% | 34% |
| CRE |
46.7%
-0.5pp YoY -0.7pp QoQ |
-3.3pp | 50.0% | 41.0% | 41.4% | 41% |
| 1-4 Family |
30.2%
-0.6pp YoY -1.0pp QoQ |
+3.8pp | 26.4% | 28.1% | 31.3% | 66% |
| Consumer |
2.3%
0.0pp YoY -0.1pp QoQ |
-2.4pp | 4.7% | 4.5% | 5.0% | 67% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.4%
-0.1pp YoY -0.2pp QoQ |
-2.2pp | 15.6% | 15.1% | 19.7% | 48% |
| Leverage Ratio |
11.1%
+0.3pp YoY +0.2pp QoQ |
-0.2pp | 11.3% | 11.9% | 12.6% | 62% |
| Total Capital Ratio |
14.7%
0.0pp YoY -0.2pp QoQ |
-2.0pp | 16.7% | 16.3% | 20.8% | 51% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
309
+7 (+2.3%) YoY +6 (+2.0%) QoQ |
-5 | 313 | 315 | 482 | 67% |
| Assets per Employee ($) |
$8.4M
+0.8% YoY -0.7% QoQ |
-$2.1M | $10.5M | $6.7M | $8.8M | 46% |
| Branch Count |
23
0 YoY 0 QoQ |
+3 | 20 | 25 | 18 | 72% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.4% | 50% |
| Nonaccrual |
0.2%
-0.2pp YoY 0.0pp QoQ |
-0.7pp | 0.8% | 1.1% | 1.0% | 18% |
| Allowance Coverage |
8.75x
+156.9% YoY -2.2% QoQ |
-9.96x | 18.71x | 4.69x | 20.23x | 86% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.2% | 7% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.5%
+0.9pp YoY +0.7pp QoQ |
-2.1pp | 12.6% | 12.3% | 11.6% | 37% |
| Cost of Funds (YTD) |
2.4%
-0.2pp YoY 0.0pp QoQ |
+0.5pp | 1.9% | 2.0% | 1.7% | 81% |
| Net Income ($, YTD) |
$15.3M
+15.4% YoY — QoQ |
-$3.9M | $19.2M | $16.0M | $40.4M | 61% |
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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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.