BlastPoint's Banking Scorecard

Commercial Bank & Trust Company

$100M-$1B Specialty: Commercial AR FDIC cert 90

Designations: ✓ CDFI-certified

Monticello, AR

8 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in AR.
Deposits +0.0% year over year ($336.0M on the books).
Delinquency rate 5.48%.
Return on assets 0.69%.
Efficiency ratio 66.47% vs a 64.48% peer average.
Loan-to-deposit ratio 73.15% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 49 in AR

View $100M-$1B leaderboard (AR) →

Commercial Bank & Trust Company faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 11.7% in tier
- Delinquency Rate 4.56% above tier average
- Nonperforming Asset Ratio 3.11% above tier average
- ROA 0.63% below tier average
- Net Interest Margin 0.92% below tier average
- Efficiency Ratio 1.99% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$364.0M -0.6% YoY -2.4% QoQ	-$22.5M	$386.6M +1.2% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	57%
Total Loans ?	$245.8M +3.6% YoY -1.2% QoQ	-$12.6M	$258.3M +1.7% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	58%
Total Deposits ?	$336.0M +0.0% YoY -2.5% QoQ	+$9.3M	$326.7M +0.7% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	61%
Return on Assets ?	0.69% +4.0% YoY +11.2% QoQ	-0.63%	1.32% +10.8% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	19%
Net Interest Margin ?	3.07% +12.5% YoY +1.6% QoQ	-0.92%	3.99% +5.0% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	Bottom 11.7% in tier
Efficiency Ratio ?	66.47% -5.7% YoY -2.9% QoQ	+1.99%	64.48% -3.2% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	38%
Delinquency Rate ?	5.48% +44.9% YoY +26.1% QoQ	+4.56%	0.92% +15.7% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	Bottom 2.1% in tier
Loan-to-Deposit Ratio ?	73.15% +3.6% YoY +1.3% QoQ	-4.80%	77.95% +1.0% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	64%
Non-Interest-Bearing Deposit Share ?	18.89% -13.4% YoY -0.2% QoQ	-3.14%	22.03% -0.6% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	40%
Nonperforming Asset Ratio ?	3.78% +53.3% YoY +26.9% QoQ	+3.11%	0.67% +16.4% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	Bottom 1.9% in tier
Tier 1 Capital Ratio ?	11.30% +2.7% YoY +2.3% QoQ	-4.61%	15.91% +1.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.31% -0.6% YoY +94.3% QoQ	-0.26%	0.57% +7.6% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	74%

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	18.9% -2.9pp YoY 0.0pp QoQ	-3.3pp	22.1%	19.6%	22.2%	40%
Brokered Deposits	2.3% +0.3pp YoY 0.0pp QoQ	-5.5pp	7.9%	7.2%	8.5%	33%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	25.5% -1.2pp YoY -0.2pp QoQ	+13.9pp	11.6%	12.7%	12.5%	94%
CRE	34.1% -1.3pp YoY +0.5pp QoQ	-5.4pp	39.5%	41.0%	41.4%	42%
1-4 Family	21.5% -0.1pp YoY +0.5pp QoQ	-11.1pp	32.6%	28.1%	31.3%	33%
Consumer	11.0% 0.0pp YoY -0.3pp QoQ	+6.9pp	4.1%	4.5%	5.0%	94%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.1%	19.7%	n/a
Leverage Ratio	11.3% +0.3pp YoY +0.3pp QoQ	-0.9pp	12.2%	11.9%	12.6%	55%
Total Capital Ratio	n/a	n/a	19.9%	16.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	62 -1 (-1.6%) YoY +3 (+5.1%) QoQ	+3	58	315	482	65%
Assets per Employee ($)	$5.9M +1.0% YoY -7.1% QoQ	-$1.6M	$7.5M	$6.7M	$8.8M	31%
Branch Count	8 0 YoY 0 QoQ	+3	4	25	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	5.5% +1.7pp YoY +1.1pp QoQ	+4.5pp	0.9%	1.1%	1.0%	98%
Allowance Coverage	0.27x -8.9% YoY -8.2% QoQ	-23.88x	24.15x	4.69x	20.23x	3%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY -0.1pp QoQ	-0.1pp	0.1%	0.2%	0.2%	72%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	10.2% -2.2pp YoY +0.8pp QoQ	-2.0pp	12.2%	12.3%	11.6%	38%
Cost of Funds (YTD)	2.2% -0.2pp YoY 0.0pp QoQ	+0.5pp	1.7%	2.0%	1.7%	81%
Net Income ($, YTD)	$1.3M +5.5% YoY — QoQ	-$1.3M	$2.6M	$16.0M	$40.4M	35%

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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 (1)

Flatlined Growth

risk

#63 of 529 • Bottom 11.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.69%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2593

Nonperforming Asset Ratio

credit_quality

Value: 3.78%

Peer Median: 0.67%

#2593 of 2643 Bottom 1.9% in $100M-$1B

2579

Delinquency Rate

credit_quality

Value: 5.48%

Peer Median: 0.92%

#2579 of 2633 Bottom 2.1% in $100M-$1B

2334

Net Interest Margin

profitability

Value: 3.07%

Peer Median: 3.99%

#2334 of 2643 Bottom 11.7% in $100M-$1B

2149

Return on Assets

profitability

Value: 0.69%

Peer Median: 1.32%

#2149 of 2643 Bottom 18.7% in $100M-$1B