BlastPoint's Banking Scorecard
Bank of Anguilla
Designations: ✓ CDFI-certified
Anguilla, MS
5 branches across MS
Bank of Anguilla has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.62% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 3.6% in tier
- - Margin Compression: Bottom 6.2% in tier
- - Flatlined Growth: Bottom 26.4% in tier
- - Cost Spiral: Bottom 38.9% in tier
- - Delinquency Rate 5.37% above tier average
- - Nonperforming Asset Ratio 2.13% above tier average
- - Net Interest Margin 0.26% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$199.4M
-1.6% YoY
+3.8% QoQ
|
-$186.7M |
$386.1M
+0.5% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$87.8M
-2.9% YoY
-5.5% QoQ
|
-$167.9M |
$255.7M
+1.1% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 14.8% in tier |
| Total Deposits ? |
$166.5M
-4.1% YoY
+4.6% QoQ
|
-$161.5M |
$328.0M
+0.1% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
25% |
| Return on Assets ? |
1.11%
-28.0% YoY
-17.1% QoQ
|
-0.16% |
1.27%
+12.9% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
3.67%
-14.3% YoY
-16.3% QoQ
|
-0.26% |
3.93%
+6.0% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
39% |
| Efficiency Ratio ? |
60.67%
+15.0% YoY
+12.8% QoQ
|
-4.62% |
65.29%
-4.5% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
58% |
| Delinquency Rate ? |
6.26%
+9.1% YoY
+3.1% QoQ
|
+5.37% |
0.89%
+18.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.2% in tier |
| Loan-to-Deposit Ratio ? |
52.75%
+1.3% YoY
-9.7% QoQ
|
-23.89% |
76.64%
+0.8% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
Top 11.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.26%
-43.4% YoY
-39.6% QoQ
|
+10.24% |
22.02%
-1.0% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
Top 13.6% in tier |
| Nonperforming Asset Ratio ? |
2.77%
+7.7% YoY
-6.2% QoQ
|
+2.13% |
0.64%
+19.7% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.6% in tier |
| Tier 1 Capital Ratio ? |
14.37%
+9.1% YoY
-8.3% QoQ
|
-1.46% |
15.83%
+1.5% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.12%
+4.3% YoY
-70.0% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
63% |
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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 (4)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.