BlastPoint's Banking Scorecard
Signature Bank of Arkansas
Designations: ✓ Community bank
Fayetteville, AR
11 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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in AR.
- Deposits +14.5% year over year ($1.4B on the books).
- Delinquency rate 0.04%.
- Return on assets 1.09%.
- Efficiency ratio 61.54% vs a 59.73% peer average.
- Loan-to-deposit ratio 93.32% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Signature Bank of Arkansas has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 46.1% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.8% in tier
- - ROA 0.30% below tier average
- - Net Interest Margin 0.15% below tier average
- - Efficiency Ratio 1.81% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+13.8% YoY
+0.2% QoQ
|
-$1.2B |
$2.8B
-0.6% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
40% |
| Total Loans ? |
$1.3B
+12.0% YoY
+3.6% QoQ
|
-$622.8M |
$2.0B
-0.3% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
49% |
| Total Deposits ? |
$1.4B
+14.5% YoY
+0.1% QoQ
|
-$882.4M |
$2.3B
-0.5% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
43% |
| Return on Assets ? |
1.09%
+11.0% YoY
+8.3% QoQ
|
-0.30% |
1.39%
+17.0% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
36% |
| Net Interest Margin ? |
3.72%
+1.9% YoY
+2.1% QoQ
|
-0.15% |
3.87%
+6.2% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
51% |
| Efficiency Ratio ? |
61.54%
-1.0% YoY
-3.7% QoQ
|
+1.81% |
59.73%
-12.6% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
42% |
| Delinquency Rate ? |
0.04%
+30.1% YoY
|
-0.83% |
0.87%
+11.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
Top 6.9% in tier |
| Loan-to-Deposit Ratio ? |
93.32%
-2.2% YoY
+3.4% QoQ
|
+8.29% |
85.04%
-0.1% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
17.86%
-5.8% YoY
+1.7% QoQ
|
-3.41% |
21.27%
-1.5% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.03%
+28.1% YoY
|
-0.64% |
0.67%
+11.7% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
Top 7.2% in tier |
| Tier 1 Capital Ratio ? |
11.92%
+13.9% YoY
+1.1% QoQ
|
-2.92% |
14.84%
-0.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.28%
+4.4% YoY
+106.0% QoQ
|
-0.25% |
0.53%
+2.5% YoY
|
0.36%
-4.6% 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 (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.9%
-1.1pp YoY +0.3pp QoQ |
-3.5pp | 21.4% | 19.6% | 22.2% | 39% |
| Brokered Deposits |
15.2%
-0.2pp YoY -1.5pp QoQ |
+5.7pp | 9.5% | 7.2% | 8.5% | 83% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.9%
+0.2pp YoY -0.8pp QoQ |
-2.1pp | 14.0% | 12.7% | 12.5% | 54% |
| CRE |
50.3%
-3.0pp YoY +0.6pp QoQ |
+0.3pp | 50.0% | 41.0% | 41.4% | 52% |
| 1-4 Family |
35.7%
+2.2pp YoY +0.1pp QoQ |
+9.2pp | 26.4% | 28.1% | 31.3% | 76% |
| Consumer |
0.9%
+0.1pp YoY +0.1pp QoQ |
-3.8pp | 4.7% | 4.5% | 5.0% | 44% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.9%
+1.5pp YoY +0.1pp QoQ |
-3.7pp | 15.6% | 15.1% | 19.7% | 22% |
| Leverage Ratio |
9.6%
+0.4pp YoY -0.1pp QoQ |
-1.7pp | 11.3% | 11.9% | 12.6% | 24% |
| Total Capital Ratio |
13.2%
+1.5pp YoY +0.1pp QoQ |
-3.5pp | 16.7% | 16.3% | 20.8% | 25% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
230
+21 (+10.0%) YoY +7 (+3.1%) QoQ |
-84 | 313 | 315 | 482 | 48% |
| Assets per Employee ($) |
$7.1M
+3.4% YoY -2.8% QoQ |
-$3.4M | $10.5M | $6.7M | $8.8M | 24% |
| Branch Count |
11
0 YoY 0 QoQ |
-9 | 20 | 25 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.8% | 1.1% | 1.0% | 4% |
| Allowance Coverage |
29.80x
-22.5% YoY -96.1% QoQ |
+11.09x | 18.71x | 4.69x | 20.23x | 95% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.2% | 31% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.0%
+0.9pp YoY +0.8pp QoQ |
-0.6pp | 12.6% | 12.3% | 11.6% | 49% |
| Cost of Funds (YTD) |
2.5%
-0.2pp YoY 0.0pp QoQ |
+0.6pp | 1.9% | 2.0% | 1.7% | 85% |
| Net Income ($, YTD) |
$8.7M
+29.4% YoY — QoQ |
-$10.5M | $19.2M | $16.0M | $40.4M | 33% |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.