BlastPoint's Banking Scorecard
Connect Bank
Designations: ✓ CDFI-certified
Star City, AR
5 branches across AR
Connect Bank shows strong momentum with 4 strengths and 7.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 60.7% in tier
- + ROA 0.76% above tier average
- + Efficiency Ratio 5.74% below tier average
- + Delinquency Rate 0.84% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$128.1M
+7.1% YoY
+3.6% QoQ
|
-$258.0M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
Bottom 8.3% in tier |
| Total Loans ? |
$77.3M
+3.9% YoY
-1.2% QoQ
|
-$178.4M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 9.9% in tier |
| Total Deposits ? |
$112.0M
+6.8% YoY
+3.6% QoQ
|
-$216.0M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 9.4% in tier |
| Return on Assets ? |
2.03%
+9.8% YoY
-2.7% QoQ
|
+0.76% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
Top 11.6% in tier |
| Net Interest Margin ? |
5.17%
+7.2% YoY
+1.2% QoQ
|
+1.24% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
Top 5.2% in tier |
| Efficiency Ratio ? |
59.55%
-2.8% YoY
+1.0% QoQ
|
-5.74% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
61% |
| Delinquency Rate ? |
0.05%
-64.0% YoY
+44.1% QoQ
|
-0.84% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
69.05%
-2.7% YoY
-4.6% QoQ
|
-7.58% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
28.35%
+10.5% YoY
+5.5% QoQ
|
+6.33% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.03%
-65.1% YoY
+37.4% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
15.16%
-3.0% YoY
+1.7% QoQ
|
-0.67% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.13%
-9.9% YoY
-77.9% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
66% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.