BlastPoint's Banking Scorecard

First National Bank Of Commerce

$100M-$1B Specialty: Agricultural AR FDIC cert 3896

Designations: ✓ CDFI-certified

Walnut Ridge, AR

6 branches across AR

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

First National Bank Of Commerce shows strong momentum with 3 strengths and 7.3% YoY asset growth

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

+ ROA 0.12% above tier average
+ Efficiency Ratio 1.55% below tier average
+ Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$308.4M +7.3% YoY +3.9% QoQ	-$77.7M	$386.1M +0.5% YoY	$2.3B +2.8% YoY	$6.2B +9.1% YoY	47%
Total Loans ?	$148.2M +18.8% YoY +5.0% QoQ	-$107.5M	$255.7M +1.1% YoY	$1.7B +6.4% YoY	$3.2B +10.8% YoY	35%
Total Deposits ?	$281.8M +6.6% YoY +4.4% QoQ	-$46.2M	$328.0M +0.1% YoY	$1.9B +3.0% YoY	$4.8B +8.2% YoY	51%
Return on Assets ?	1.39% +71.3% YoY +33.5% QoQ	+0.12%	1.27% +12.9% YoY	1.34% +14.2% YoY	1.23% +13.4% YoY	61%
Net Interest Margin ?	3.91% +14.1% YoY +9.3% QoQ	-0.02%	3.93% +6.0% YoY	4.08% +8.2% YoY	3.89% +5.7% YoY	52%
Efficiency Ratio ?	63.74% -18.7% YoY -9.3% QoQ	-1.55%	65.29% -4.5% YoY	61.77% -4.8% YoY	66.95% -4.1% YoY	48%
Delinquency Rate ?	0.25% -3.1% YoY -18.1% QoQ	-0.63%	0.89% +18.8% YoY	1.02% +24.4% YoY	0.95% +18.8% YoY	60%
Loan-to-Deposit Ratio ?	52.60% +11.4% YoY +0.6% QoQ	-24.04%	76.64% +0.8% YoY	80.49% +1.3% YoY	76.70% +0.9% YoY	Top 11.6% in tier
Non-Interest-Bearing Deposit Share ?	18.32% -0.9% YoY +5.3% QoQ	-3.70%	22.02% -1.0% YoY	19.62% +0.8% YoY	22.01% -1.2% YoY	37%
Nonperforming Asset Ratio ?	0.12% +7.3% YoY -17.2% QoQ	-0.52%	0.64% +19.7% YoY	0.79% +32.8% YoY	0.67% +19.3% YoY	68%
Tier 1 Capital Ratio ?	10.23% +0.6% YoY -2.1% QoQ	-5.60%	15.83% +1.5% YoY	13.59% +0.0% YoY	17.06% +0.8% YoY	Bottom 12.5% in tier
Non-Interest Income / Assets ?	0.16% +1.2% YoY -71.9% QoQ	-0.12%	0.28% +9.3% YoY	0.18% -3.1% YoY	0.32% +4.1% YoY	77%

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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)

309

Loan-to-Deposit Ratio

liquidity

Value: 52.60%

Peer Median: 76.64%

#309 of 2664 Top 11.6% in $100M-$1B

611

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#611 of 2664 Top 22.9% in $100M-$1B

Top Weaknesses (1 metrics)

2332

Tier 1 Capital Ratio

capital

Value: 10.23%

Peer Median: 15.83%

#2332 of 2664 Bottom 12.5% in $100M-$1B