BlastPoint's Banking Scorecard
Smackover State Bank
Smackover, AR
4 branches across AR
Smackover State Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 14.08% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 23.7% in tier
- - Flatlined Growth: Bottom 49.2% in tier
- - ROA 0.09% below tier average
- - Net Interest Margin 0.79% below tier average
- - Delinquency Rate 0.39% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$248.7M
+0.2% YoY
-1.1% QoQ
|
-$137.4M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
36% |
| Total Loans ? |
$171.3M
+6.0% YoY
-0.4% QoQ
|
-$84.5M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
42% |
| Total Deposits ? |
$207.5M
+1.2% YoY
+0.9% QoQ
|
-$120.5M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
1.18%
+54.9% YoY
+17.8% QoQ
|
-0.09% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
49% |
| Net Interest Margin ? |
3.14%
+26.0% YoY
+13.2% QoQ
|
-0.79% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
16% |
| Efficiency Ratio ? |
51.20%
-20.9% YoY
-10.6% QoQ
|
-14.08% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? |
1.28%
+410.8% YoY
+62.6% QoQ
|
+0.39% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
82.54%
+4.7% YoY
-1.3% QoQ
|
+5.91% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
20.42%
+5.6% YoY
+4.9% QoQ
|
-1.60% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.89%
+389.9% YoY
+60.4% QoQ
|
+0.25% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
10.79%
+2.6% YoY
+2.1% QoQ
|
-5.04% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.09%
+4.0% YoY
-74.1% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
45% |
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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 (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.