BlastPoint's Banking Scorecard

Bank of Little Rock

$100M-$1B Specialty: Commercial AR FDIC cert 91280

Little Rock, AR

5 branches across AR

2664 banks in the $100M-$1B peer group nationally 50 in AR

Bank of Little Rock has 2 strengths but faces 4 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

+ Revenue Diversifier: Top 21.9% in tier
+ Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 0.6% in tier
- Deposit Outflow: Bottom 44.3% in tier
- ROA 0.30% below tier average
- Efficiency Ratio 9.24% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$265.3M -13.4% YoY -1.2% QoQ	-$120.8M	$386.1M +0.5% YoY	$2.3B +2.8% YoY	$6.2B +9.1% YoY	40%
Total Loans ?	$126.9M -8.5% YoY -1.4% QoQ	-$128.8M	$255.7M +1.1% YoY	$1.7B +6.4% YoY	$3.2B +10.8% YoY	28%
Total Deposits ?	$241.5M -14.3% YoY -1.2% QoQ	-$86.5M	$328.0M +0.1% YoY	$1.9B +3.0% YoY	$4.8B +8.2% YoY	43%
Return on Assets ?	0.97% +383.4% YoY +174.2% QoQ	-0.30%	1.27% +12.9% YoY	1.34% +14.2% YoY	1.23% +13.4% YoY	36%
Net Interest Margin ?	3.88% +54.8% YoY +25.7% QoQ	-0.05%	3.93% +6.0% YoY	4.08% +8.2% YoY	3.89% +5.7% YoY	51%
Efficiency Ratio ?	74.53% -20.4% YoY -12.4% QoQ	+9.24%	65.29% -4.5% YoY	61.77% -4.8% YoY	66.95% -4.1% YoY	23%
Delinquency Rate ?	0.55% -66.5% YoY -42.5% QoQ	-0.34%	0.89% +18.8% YoY	1.02% +24.4% YoY	0.95% +18.8% YoY	43%
Loan-to-Deposit Ratio ?	52.56% +6.8% YoY -0.2% QoQ	-24.08%	76.64% +0.8% YoY	80.49% +1.3% YoY	76.70% +0.9% YoY	Top 11.4% in tier
Non-Interest-Bearing Deposit Share ?	15.38% +11.2% YoY +3.3% QoQ	-6.64%	22.02% -1.0% YoY	19.62% +0.8% YoY	22.01% -1.2% YoY	26%
Nonperforming Asset Ratio ?	0.26% -69.1% YoY -42.7% QoQ	-0.38%	0.64% +19.7% YoY	0.79% +32.8% YoY	0.67% +19.3% YoY	54%
Tier 1 Capital Ratio ?	9.33% -26.9% YoY +2.4% QoQ	-6.50%	15.83% +1.5% YoY	13.59% +0.0% YoY	17.06% +0.8% YoY	Bottom 2.7% in tier
Non-Interest Income / Assets ?	0.40% +27.8% YoY -76.9% QoQ	+0.12%	0.28% +9.3% YoY	0.18% -3.1% YoY	0.32% +4.1% YoY	Top 4.5% in tier

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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 (1)

Revenue Diversifier

growth

#147 of 666 • Top 21.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.40%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.97%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Capital Thin

risk

#5 of 666 • Bottom 0.6% 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: 9.33%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Deposit Outflow

decline

#225 of 506 • Bottom 44.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

122

Non-Interest Income / Assets

revenue_mix

Value: 0.40%

Peer Median: 0.28%

#122 of 2664 Top 4.5% in $100M-$1B

306

Loan-to-Deposit Ratio

liquidity

Value: 52.56%

Peer Median: 76.64%

#306 of 2664 Top 11.4% in $100M-$1B

Top Weaknesses (2 metrics)

2592

Tier 1 Capital Ratio

capital

Value: 9.33%

Peer Median: 15.83%

#2592 of 2664 Bottom 2.7% in $100M-$1B

2047

Efficiency Ratio

profitability

Value: 74.53%

Peer Median: 65.29%

#2047 of 2664 Bottom 23.2% in $100M-$1B