BlastPoint's Banking Scorecard
Logan County Bank
Scranton, AR
2 branches across AR
Logan County Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 14.97% below tier average
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 10.7% in tier
- - Non-Interest Income / Assets 0.27% below tier average
- - Net Interest Margin 0.51% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$117.3M
+3.9% YoY
+1.0% QoQ
|
-$268.8M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.2% in tier |
| Total Loans ? |
$71.3M
+6.3% YoY
+0.3% QoQ
|
-$184.4M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.0% in tier |
| Total Deposits ? |
$97.9M
+3.4% YoY
+1.0% QoQ
|
-$230.1M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 4.8% in tier |
| Return on Assets ? |
1.29%
+35.4% YoY
+41.1% QoQ
|
+0.02% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
55% |
| Net Interest Margin ? |
3.42%
+22.1% YoY
+12.1% QoQ
|
-0.51% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
27% |
| Efficiency Ratio ? |
50.31%
-13.6% YoY
-9.8% QoQ
|
-14.97% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
83% |
| Delinquency Rate ? |
0.10%
-89.2% YoY
-1.7% QoQ
|
-0.79% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
72.84%
+2.9% YoY
-0.7% QoQ
|
-3.80% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
25.18%
+16.8% YoY
+5.7% QoQ
|
+3.16% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.06%
-89.0% YoY
-2.4% QoQ
|
-0.58% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
76% |
| Tier 1 Capital Ratio ? |
30.26%
+3.1% YoY
+6.4% QoQ
|
+14.43% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 3.8% in tier |
| Non-Interest Income / Assets ? |
0.01%
-70.8% YoY
-91.6% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 1.5% 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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.