BlastPoint's Banking Scorecard
Connect Bank
Designations: ✓ CDFI-certified
Star City, AR
5 branches across AR
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 -0.3% year over year ($107.2M on the books).
- Delinquency rate 0.90%.
- Return on assets 2.14%.
- Efficiency ratio 58.31% vs a 64.48% peer average.
- Loan-to-deposit ratio 74.63% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Connect Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 40.7% in tier
- + Net Interest Margin 1.26% above tier average
- + Efficiency Ratio 6.17% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$123.9M
+0.8% YoY
-3.3% QoQ
|
-$262.7M |
$386.6M
+1.2% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
Bottom 6.7% in tier |
| Total Loans ? |
$80.0M
+3.4% YoY
+3.4% QoQ
|
-$178.4M |
$258.3M
+1.7% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 10.4% in tier |
| Total Deposits ? |
$107.2M
-0.3% YoY
-4.3% QoQ
|
-$219.6M |
$326.7M
+0.7% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.8% in tier |
| Return on Assets ? |
2.14%
+10.3% YoY
+5.3% QoQ
|
+0.82% |
1.32%
+10.8% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
Top 10.1% in tier |
| Net Interest Margin ? |
5.25%
+6.6% YoY
+1.4% QoQ
|
+1.26% |
3.99%
+5.0% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
Top 4.9% in tier |
| Efficiency Ratio ? |
58.31%
-3.1% YoY
-2.1% QoQ
|
-6.17% |
64.48%
-3.2% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
62% |
| Delinquency Rate ? | 0.90% | -0.02% |
0.92%
+15.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
74.63%
+3.7% YoY
+8.1% QoQ
|
-3.33% |
77.95%
+1.0% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
26.99%
+5.9% YoY
-4.8% QoQ
|
+4.96% |
22.03%
-0.6% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
73% |
| Nonperforming Asset Ratio ? | 0.58% | -0.09% |
0.67%
+16.4% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
15.92%
+0.8% YoY
+5.0% QoQ
|
+0.01% |
15.91%
+1.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.28%
+2.2% YoY
+118.8% QoQ
|
-0.29% |
0.57%
+7.6% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
68% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
27.0%
+1.5pp YoY -1.4pp QoQ |
+4.8pp | 22.1% | 19.6% | 22.2% | 73% |
| 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 |
16.1%
+0.3pp YoY -0.6pp QoQ |
+4.6pp | 11.6% | 12.7% | 12.5% | 79% |
| CRE |
41.2%
0.0pp YoY -0.2pp QoQ |
+1.7pp | 39.5% | 41.0% | 41.4% | 56% |
| 1-4 Family |
28.2%
+1.4pp YoY -1.3pp QoQ |
-4.4pp | 32.6% | 28.1% | 31.3% | 47% |
| Consumer |
2.8%
-0.1pp YoY -0.2pp QoQ |
-1.3pp | 4.1% | 4.5% | 5.0% | 58% |
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 |
15.9%
+0.1pp YoY +0.8pp QoQ |
+3.7pp | 12.2% | 11.9% | 12.6% | 90% |
| 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 |
31
0 YoY +1 (+3.3%) QoQ |
-28 | 58 | 315 | 482 | 28% |
| Assets per Employee ($) |
$4.0M
+0.8% YoY -6.4% QoQ |
-$3.5M | $7.5M | $6.7M | $8.8M | 4% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 25 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.9%
+0.8pp YoY +0.9pp QoQ |
0.0pp | 0.9% | 1.1% | 1.0% | 69% |
| Allowance Coverage |
2.66x
-93.3% YoY -94.7% QoQ |
-21.50x | 24.15x | 4.69x | 20.23x | 55% |
| Net Charge-off Rate (YTD) |
0.0%
-0.2pp YoY -0.1pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 52% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.3%
+0.7pp YoY +0.5pp QoQ |
+5.1pp | 12.2% | 12.3% | 11.6% | 78% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 2.0% | 1.7% | 38% |
| Net Income ($, YTD) |
$1.3M
+14.8% YoY — QoQ |
-$1.2M | $2.6M | $16.0M | $40.4M | 37% |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.