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Bodcaw Bank

$100M-$1B Specialty: Commercial AR FDIC cert 5624

Stamps, AR

3 branches across AR · TX

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 +4.0% year over year ($220.4M on the books).
  • Delinquency rate 1.39%.
  • Return on assets 1.21%.
  • Efficiency ratio 59.35% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.64% 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) →

Bodcaw Bank has 2 strengths but faces 4 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

  • + Net Interest Margin 0.56% above tier average
  • + Efficiency Ratio 5.13% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 7.1% in tier
  • - Capital Thin: Bottom 49.0% in tier
  • - ROA 0.11% below tier average
  • - Delinquency Rate 0.47% above tier average
Get updates when Bodcaw Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $247.3M
+3.5% YoY -1.5% QoQ
-$139.3M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
36%
Total Loans ? $204.2M
-0.6% YoY -4.1% QoQ
-$54.1M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
49%
Total Deposits ? $220.4M
+4.0% YoY -2.0% QoQ
-$106.3M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
39%
Return on Assets ? 1.21%
+2.2% YoY -1.6% QoQ
-0.11% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
48%
Net Interest Margin ? 4.55%
+3.0% YoY +1.2% QoQ
+0.56% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
81%
Efficiency Ratio ? 59.35%
+4.9% YoY +2.3% QoQ
-5.13% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
59%
Delinquency Rate ? 1.39%
-42.1% YoY +32.8% QoQ
+0.47% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
20%
Loan-to-Deposit Ratio ? 92.64%
-4.4% YoY -2.1% QoQ
+14.69% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
21%
Non-Interest-Bearing Deposit Share ? 13.79%
+12.9% YoY -5.8% QoQ
-8.24% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
20%
Nonperforming Asset Ratio ? 1.40%
-32.4% YoY +22.5% QoQ
+0.74% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
Bottom 13.2% in tier
Tier 1 Capital Ratio ? 10.89%
+4.0% YoY +2.2% QoQ
-5.02% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
22%
Non-Interest Income / Assets ? 0.17%
-2.7% YoY +112.3% QoQ
-0.40% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
40%

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 13.8%
+1.6pp YoY
-0.8pp QoQ
 -8.4pp 22.1% 19.6% 22.2% 20%
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 26.0%
-3.4pp YoY
+0.2pp QoQ
 +14.4pp 11.6% 12.7% 12.5% 94%
CRE 38.4%
+1.8pp YoY
-0.3pp QoQ
 -1.2pp 39.5% 41.0% 41.4% 49%
1-4 Family 31.9%
+2.6pp YoY
+0.3pp QoQ
 -0.7pp 32.6% 28.1% 31.3% 55%
Consumer 1.9%
0.0pp YoY
-0.1pp QoQ
 -2.2pp 4.1% 4.5% 5.0% 47%

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 10.9%
+0.4pp YoY
+0.2pp QoQ
 -1.3pp 12.2% 11.9% 12.6% 48%
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 40
0 YoY
-1 (-2.4%) QoQ
 -19 58 315 482 41%
Assets per Employee ($) $6.2M
+3.5% YoY
+1.0% QoQ
 -$1.3M $7.5M $6.7M $8.8M 37%
Branch Count 3
0 YoY
0 QoQ
 -2 4 25 18 26%

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 1.4%
-0.1pp YoY
+0.4pp QoQ
 +0.5pp 0.9% 1.1% 1.0% 80%
Allowance Coverage 0.87x
+63.6% YoY
-16.8% QoQ
 -23.29x 24.15x 4.69x 20.23x 23%
Net Charge-off Rate (YTD) 0.0%
-0.5pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 42%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 11.8%
-0.6pp YoY
-0.4pp QoQ
 -0.4pp 12.2% 12.3% 11.6% 48%
Cost of Funds (YTD) 2.5%
-0.2pp YoY
0.0pp QoQ
 +0.8pp 1.7% 2.0% 1.7% 89%
Net Income ($, YTD) $1.5M
+6.8% YoY
— QoQ
 -$1.1M $2.6M $16.0M $40.4M 42%

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 (2)

Liquidity Strain

risk
#50 of 691 • Bottom 7.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.64%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Capital Thin

risk
#325 of 661 • Bottom 49.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.89%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

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 (1 metrics)

492
Net Interest Margin
profitability
Value: 4.55%
Peer Median: 3.99%
#492 of 2643 Top 18.6% in $100M-$1B

Top Weaknesses (5 metrics)

2295
Nonperforming Asset Ratio
credit_quality
Value: 1.40%
Peer Median: 0.67%
#2295 of 2643 Bottom 13.2% in $100M-$1B
2109
Delinquency Rate
credit_quality
Value: 1.39%
Peer Median: 0.92%
#2109 of 2633 Bottom 19.9% in $100M-$1B
2115
Non-Interest-Bearing Deposit Share
funding
Value: 13.79%
Peer Median: 22.03%
#2115 of 2643 Bottom 20.0% in $100M-$1B
2088
Loan-to-Deposit Ratio
liquidity
Value: 92.64%
Peer Median: 77.95%
#2088 of 2643 Bottom 21.0% in $100M-$1B
2066
Tier 1 Capital Ratio
capital
Value: 10.89%
Peer Median: 15.91%
#2066 of 2643 Bottom 21.9% in $100M-$1B
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