BlastPoint's Banking Scorecard
Commercial Bank & Trust Company
Designations: ✓ CDFI-certified
Monticello, AR
8 branches across AR
Commercial Bank & Trust Company faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 23.6% in tier
- - Capital Thin: Bottom 34.8% in tier
- - Delinquency Rate 3.46% above tier average
- - Nonperforming Asset Ratio 2.34% above tier average
- - ROA 0.65% below tier average
- - Net Interest Margin 0.91% below tier average
- - Efficiency Ratio 3.15% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$372.9M
+0.9% YoY
-0.6% QoQ
|
-$13.2M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
57% |
| Total Loans ? |
$248.9M
+6.3% YoY
+0.8% QoQ
|
-$6.8M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
59% |
| Total Deposits ? |
$344.7M
+0.6% YoY
+1.7% QoQ
|
+$16.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
62% |
| Return on Assets ? |
0.62%
-6.6% YoY
-12.7% QoQ
|
-0.65% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
17% |
| Net Interest Margin ? |
3.02%
+9.3% YoY
+5.5% QoQ
|
-0.91% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.3% in tier |
| Efficiency Ratio ? |
68.44%
-1.6% YoY
-2.5% QoQ
|
+3.15% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
36% |
| Delinquency Rate ? |
4.34%
+60.6% YoY
+10.5% QoQ
|
+3.46% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.8% in tier |
| Loan-to-Deposit Ratio ? |
72.20%
+5.7% YoY
-0.9% QoQ
|
-4.44% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
18.94%
-9.3% YoY
-3.2% QoQ
|
-3.08% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
2.98%
+71.8% YoY
+14.4% QoQ
|
+2.34% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.0% in tier |
| Tier 1 Capital Ratio ? |
11.04%
+1.2% YoY
+1.2% QoQ
|
-4.79% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.16%
+0.9% YoY
-74.2% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
77% |
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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 (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.