BlastPoint's Banking Scorecard
Bank of Anguilla
Designations: ✓ CDFI-certified
Anguilla, MS
5 branches across MS
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 39 in MS.
- Deposits -1.4% year over year ($158.3M on the books).
- Delinquency rate 2.73%.
- Return on assets 1.15%.
- Efficiency ratio 59.98% vs a 64.48% peer average.
- Loan-to-deposit ratio 57.85% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Anguilla has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 24.09% above tier average
- + Efficiency Ratio 4.49% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 7.8% in tier
- - Deposit Outflow: Bottom 8.4% in tier
- - Cost Spiral: Bottom 60.1% in tier
- - Delinquency Rate 1.81% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$192.2M
+0.8% YoY
-3.6% QoQ
|
-$194.3M |
$386.6M
+1.2% YoY
|
$2.3B
+4.7% YoY
|
$6.3B
+7.7% YoY
|
25% |
| Total Loans ? |
$91.6M
-10.3% YoY
+4.3% QoQ
|
-$166.8M |
$258.3M
+1.7% YoY
|
$1.6B
+6.5% YoY
|
$3.2B
+9.4% YoY
|
15% |
| Total Deposits ? |
$158.3M
-1.4% YoY
-4.9% QoQ
|
-$168.4M |
$326.7M
+0.7% YoY
|
$1.9B
+4.9% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
1.15%
-28.7% YoY
+3.8% QoQ
|
-0.17% |
1.32%
+10.8% YoY
|
1.27%
+12.8% YoY
|
1.30%
+12.1% YoY
|
44% |
| Net Interest Margin ? |
4.02%
-7.7% YoY
+9.5% QoQ
|
+0.04% |
3.99%
+5.0% YoY
|
4.02%
+5.6% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
59.98%
+17.5% YoY
-1.1% QoQ
|
-4.49% |
64.48%
-3.2% YoY
|
65.83%
-2.8% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
2.73%
-48.7% YoY
-56.4% QoQ
|
+1.81% |
0.92%
+15.7% YoY
|
1.03%
+6.0% YoY
|
0.98%
+16.3% YoY
|
Bottom 7.4% in tier |
| Loan-to-Deposit Ratio ? |
57.85%
-9.0% YoY
+9.7% QoQ
|
-20.10% |
77.95%
+1.0% YoY
|
72.48%
+3.6% YoY
|
79.03%
+2.3% YoY
|
Top 14.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
46.12%
-11.3% YoY
+43.0% QoQ
|
+24.09% |
22.03%
-0.6% YoY
|
22.74%
-2.6% YoY
|
21.98%
-0.6% YoY
|
Top 2.6% in tier |
| Nonperforming Asset Ratio ? |
1.31%
-54.2% YoY
-52.6% QoQ
|
+0.64% |
0.67%
+16.4% YoY
|
0.80%
+11.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.8% in tier |
| Tier 1 Capital Ratio ? |
14.67%
+9.4% YoY
+2.1% QoQ
|
-1.24% |
15.91%
+1.4% YoY
|
13.77%
-2.2% YoY
|
17.09%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.20%
-5.6% YoY
+62.2% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.38%
+2.4% YoY
|
0.66%
+5.2% YoY
|
48% |
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 (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
46.1%
-5.9pp YoY +13.9pp QoQ |
+24.0pp | 22.1% | 23.1% | 22.2% | 97% |
| Brokered Deposits | n/a | n/a | 7.9% | 3.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.1%
-1.9pp YoY -2.4pp QoQ |
-0.4pp | 11.6% | 12.4% | 12.5% | 59% |
| CRE | n/a | n/a | 39.5% | 42.3% | 41.4% | n/a |
| 1-4 Family |
10.4%
+0.6pp YoY -0.4pp QoQ |
-22.2pp | 32.6% | 33.1% | 31.3% | 12% |
| Consumer |
5.2%
+0.5pp YoY -0.1pp QoQ |
+1.0pp | 4.1% | 5.6% | 5.0% | 78% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
14.7%
+1.3pp YoY +0.3pp QoQ |
+2.5pp | 12.2% | 11.9% | 12.6% | 85% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
30
-1 (-3.2%) YoY -1 (-3.2%) QoQ |
-29 | 58 | 297 | 482 | 26% |
| Assets per Employee ($) |
$6.4M
+4.2% YoY -0.4% QoQ |
-$1.1M | $7.5M | $6.2M | $8.8M | 41% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 22 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-3.1pp YoY -0.5pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.4% | 9% |
| Nonaccrual |
2.7%
+0.5pp YoY -3.0pp QoQ |
+1.8pp | 0.9% | 0.9% | 1.0% | 93% |
| Allowance Coverage |
0.93x
+117.2% YoY +116.9% QoQ |
-23.23x | 24.15x | 4.87x | 20.23x | 24% |
| Net Charge-off Rate (YTD) |
0.1%
-0.4pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 72% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.8%
-5.9pp YoY +0.2pp QoQ |
-4.4pp | 12.2% | 11.7% | 11.6% | 24% |
| Cost of Funds (YTD) |
1.3%
+0.1pp YoY +0.2pp QoQ |
-0.5pp | 1.7% | 1.8% | 1.7% | 22% |
| Net Income ($, YTD) |
$1.1M
-29.1% YoY — QoQ |
-$1.4M | $2.6M | $13.8M | $40.4M | 30% |
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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 (3)
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.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
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.