BlastPoint's Banking Scorecard
Generations Bank
Designations: ✓ Community bank
Rogers, AR
12 branches across AR · MO
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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in AR.
- Deposits +6.6% year over year ($935.6M on the books).
- Delinquency rate 1.52%.
- Return on assets 1.19%.
- Efficiency ratio 57.54% vs a 59.73% peer average.
- Loan-to-deposit ratio 81.19% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Generations Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.31% above tier average
- + Efficiency Ratio 2.19% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Delinquency Rate 0.65% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+6.7% YoY
+1.8% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
Bottom 9.5% in tier |
| Total Loans ? |
$759.6M
+9.7% YoY
+2.3% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 11.1% in tier |
| Total Deposits ? |
$935.6M
+6.6% YoY
+2.7% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
Bottom 11.2% in tier |
| Return on Assets ? |
1.19%
+3.3% YoY
+7.8% QoQ
|
-0.20% |
1.39%
+17.0% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
44% |
| Net Interest Margin ? |
4.18%
+7.0% YoY
+3.1% QoQ
|
+0.31% |
3.87%
+6.2% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
77% |
| Efficiency Ratio ? |
57.54%
-5.0% YoY
-2.9% QoQ
|
-2.19% |
59.73%
-12.6% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
56% |
| Delinquency Rate ? |
1.52%
+12.4% YoY
-34.3% QoQ
|
+0.65% |
0.87%
+11.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
81.19%
+2.9% YoY
-0.4% QoQ
|
-3.84% |
85.04%
-0.1% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
13.15%
-10.6% YoY
-4.0% QoQ
|
-8.12% |
21.27%
-1.5% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
20% |
| Nonperforming Asset Ratio ? |
1.13%
+21.6% YoY
-32.1% QoQ
|
+0.45% |
0.67%
+11.7% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
11.71%
-5.4% YoY
-17.1% QoQ
|
-3.13% |
14.84%
-0.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.35%
+31.5% YoY
+121.7% QoQ
|
-0.17% |
0.53%
+2.5% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
62% |
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 |
13.2%
-1.6pp YoY -0.6pp QoQ |
-8.2pp | 21.4% | 19.6% | 22.2% | 20% |
| Brokered Deposits |
15.0%
+0.2pp YoY +0.7pp QoQ |
+5.6pp | 9.5% | 7.2% | 8.5% | 82% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.9%
-1.5pp YoY -0.2pp QoQ |
-6.1pp | 14.0% | 12.7% | 12.5% | 33% |
| CRE |
60.4%
+4.8pp YoY +1.8pp QoQ |
+10.4pp | 50.0% | 41.0% | 41.4% | 76% |
| 1-4 Family |
26.9%
-3.9pp YoY -1.8pp QoQ |
+0.5pp | 26.4% | 28.1% | 31.3% | 59% |
| Consumer |
2.0%
-0.5pp YoY 0.0pp QoQ |
-2.7pp | 4.7% | 4.5% | 5.0% | 63% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.7%
-0.7pp YoY -2.4pp QoQ |
-3.9pp | 15.6% | 15.1% | 19.7% | 18% |
| Leverage Ratio |
11.5%
+0.9pp YoY 0.0pp QoQ |
+0.2pp | 11.3% | 11.9% | 12.6% | 70% |
| Total Capital Ratio |
12.4%
-0.9pp YoY -2.7pp QoQ |
-4.3pp | 16.7% | 16.3% | 20.8% | 14% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
140
+9 (+6.9%) YoY -1 (-0.7%) QoQ |
-174 | 313 | 315 | 482 | 20% |
| Assets per Employee ($) |
$7.8M
-0.2% YoY +2.5% QoQ |
-$2.7M | $10.5M | $6.7M | $8.8M | 36% |
| Branch Count |
12
0 YoY -1 (-7.7%) QoQ |
-8 | 20 | 25 | 18 | 39% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.7pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.4% | 32% |
| Nonaccrual |
1.6%
+0.2pp YoY 0.0pp QoQ |
+0.7pp | 0.8% | 1.1% | 1.0% | 87% |
| Allowance Coverage |
0.60x
-22.9% YoY +23.8% QoQ |
-18.11x | 18.71x | 4.69x | 20.23x | 10% |
| Net Charge-off Rate (YTD) |
1.3%
+1.3pp YoY +0.1pp QoQ |
+1.0pp | 0.3% | 0.2% | 0.2% | 96% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.7%
-0.9pp YoY +0.7pp QoQ |
-1.9pp | 12.6% | 12.3% | 11.6% | 39% |
| Cost of Funds (YTD) |
2.6%
-0.3pp YoY 0.0pp QoQ |
+0.6pp | 1.9% | 2.0% | 1.7% | 86% |
| Net Income ($, YTD) |
$6.4M
+12.0% YoY — QoQ |
-$12.8M | $19.2M | $16.0M | $40.4M | 19% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.