BlastPoint's Banking Scorecard

Arvest Bank

$10B-$250B Specialty: Commercial AR FDIC cert 8728

Fayetteville, AR

228 branches across AR · OK · MO · KS

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 139 banks in the $10B-$250B peer group nationwide — 1 of 4 in AR.
Deposits +1.9% year over year ($24.6B on the books).
Delinquency rate 0.87%.
Return on assets 0.55%.
Efficiency ratio 81.46% vs a 53.67% peer average.
Loan-to-deposit ratio 82.32% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 4 in AR

View $10B-$250B leaderboard (AR) →

Arvest Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.14% above tier average
+ Delinquency Rate 0.14% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 22.9% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Return on Assets 0.84% below tier average

Get updates when Arvest Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$28.1B +2.6% YoY +0.1% QoQ	-$15.5B	$43.6B -13.8% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	58%
Total Loans ?	$20.2B +7.1% YoY +3.2% QoQ	-$7.7B	$28.0B -8.6% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	61%
Total Deposits ?	$24.6B +1.9% YoY -0.2% QoQ	-$10.8B	$35.4B -14.0% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	61%
Return on Assets ?	0.55% +42.6% YoY +0.5% QoQ	-0.84%	1.39% +25.9% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	Bottom 6.5% in tier
Net Interest Margin ?	4.06% +5.3% YoY +1.4% QoQ	+0.14%	3.92% +8.9% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	78%
Efficiency Ratio ?	81.46% -4.1% YoY -1.9% QoQ	+27.79%	53.67% -1.9% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	Bottom 1.4% in tier
Delinquency Rate ?	0.87% -0.7% YoY -4.4% QoQ	-0.14%	1.01% -2.8% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	39%
Loan-to-Deposit Ratio ?	82.32% +5.1% YoY +3.4% QoQ	-0.29%	82.61% +3.1% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	60%
Non-Interest-Bearing Deposit Share ?	32.18% -0.5% YoY +0.4% QoQ	+11.60%	20.58% +4.9% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	Top 14.4% in tier
Nonperforming Asset Ratio ?	0.66% +2.7% YoY -1.1% QoQ	-0.07%	0.73% +5.8% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	33%
Tier 1 Capital Ratio ?	11.45% +1.9% YoY -0.9% QoQ	-3.90%	15.35% -0.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	Bottom 9.4% in tier
Non-Interest Income / Assets ?	0.91% -2.0% YoY +101.0% QoQ	+0.41%	0.50% +10.5% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	Top 10.1% in tier

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	32.2% -0.2pp YoY +0.1pp QoQ	+11.1pp	21.0%	19.6%	22.2%	85%
Brokered Deposits	0.0% 0.0pp YoY 0.0pp QoQ	-9.2pp	9.2%	7.2%	8.5%	5%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	15.3% -0.4pp YoY 0.0pp QoQ	-1.9pp	17.2%	12.7%	12.5%	50%
CRE	37.0% +1.3pp YoY 0.0pp QoQ	-5.0pp	42.0%	41.0%	41.4%	34%
1-4 Family	33.7% +0.4pp YoY +0.3pp QoQ	+10.6pp	23.1%	28.1%	31.3%	81%
Consumer	10.3% -1.2pp YoY -0.2pp QoQ	-2.6pp	12.9%	4.5%	5.0%	77%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	11.4% +0.2pp YoY -0.1pp QoQ	-3.8pp	15.3%	15.1%	19.7%	10%
Leverage Ratio	9.1% +0.3pp YoY 0.0pp QoQ	-1.3pp	10.4%	11.9%	12.6%	19%
Total Capital Ratio	12.5% +0.2pp YoY -0.1pp QoQ	-4.0pp	16.5%	16.3%	20.8%	9%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	6,087 -42 (-0.7%) YoY +6 (+0.1%) QoQ	+2,829	3,258	315	482	88%
Assets per Employee ($)	$4.6M +3.3% YoY 0.0% QoQ	-$22.4M	$27.0M	$6.7M	$8.8M	0%
Branch Count	228 +1 (+0.4%) YoY 0 QoQ	+90	137	25	18	83%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.1%	0.4%	11%
Nonaccrual	0.9% 0.0pp YoY 0.0pp QoQ	+0.1pp	0.7%	1.1%	1.0%	72%
Allowance Coverage	1.25x -4.3% YoY +2.7% QoQ	-1.56x	2.81x	4.69x	20.23x	29%
Net Charge-off Rate (YTD)	0.4% +0.1pp YoY +0.1pp QoQ	-0.1pp	0.4%	0.2%	0.2%	78%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	6.6% +1.5pp YoY 0.0pp QoQ	-6.1pp	12.6%	12.3%	11.6%	11%
Cost of Funds (YTD)	1.3% -0.2pp YoY 0.0pp QoQ	-0.7pp	2.0%	2.0%	1.7%	16%
Net Income ($, YTD)	$76.4M +47.0% YoY — QoQ	-$220.4M	$296.8M	$16.0M	$40.4M	19%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#9 of 35 • Bottom 22.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.45%

(Tier: 15.35%, National: 17.09%)

worse than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable

Efficiency Drag

risk

#3 of 4 • Bottom 50.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.46%

(Tier: 53.67%, National: 70.05%)

worse than tier avg

4 of 4 Large banks match · 426 nationally

↓ Shrinking -64 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.91%

Peer Median: 0.50%

#15 of 139 Top 10.1% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 32.18%

Peer Median: 20.58%

#21 of 139 Top 14.4% in $10B-$250B

Net Interest Margin

profitability

Value: 4.06%

Peer Median: 3.92%

#31 of 139 Top 21.6% in $10B-$250B

Top Weaknesses (3 metrics)

138

Efficiency Ratio

profitability

Value: 81.46%

Peer Median: 53.67%

#138 of 139 Bottom 1.4% in $10B-$250B

131

Return on Assets

profitability

Value: 0.55%

Peer Median: 1.39%

#131 of 139 Bottom 6.5% in $10B-$250B

127

Tier 1 Capital Ratio

capital

Value: 11.45%

Peer Median: 15.35%

#127 of 139 Bottom 9.4% in $10B-$250B