BlastPoint's Banking Scorecard
Bank of Delight
Delight, AR
5 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 +12.0% year over year ($169.2M on the books).
- Delinquency rate 0.29%.
- Return on assets 2.02%.
- Efficiency ratio 49.17% vs a 64.48% peer average.
- Loan-to-deposit ratio 105.03% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Delight has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.70% above tier average
- + Net Interest Margin 0.15% above tier average
- + Efficiency Ratio 15.31% below tier average
- + Delinquency Rate 0.63% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 27.07% above tier average
- - Non-Interest Income / Assets 0.51% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$201.0M
+10.4% YoY
-0.9% QoQ
|
-$185.5M |
$386.6M
+1.2% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
27% |
| Total Loans ? |
$177.7M
+9.8% YoY
+2.0% QoQ
|
-$80.6M |
$258.3M
+1.7% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
43% |
| Total Deposits ? |
$169.2M
+12.0% YoY
-1.6% QoQ
|
-$157.5M |
$326.7M
+0.7% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
27% |
| Return on Assets ? |
2.02%
-12.4% YoY
+8.2% QoQ
|
+0.70% |
1.32%
+10.8% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
Top 12.8% in tier |
| Net Interest Margin ? |
4.14%
-3.5% YoY
+2.1% QoQ
|
+0.15% |
3.99%
+5.0% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
62% |
| Efficiency Ratio ? |
49.17%
+10.5% YoY
-5.1% QoQ
|
-15.31% |
64.48%
-3.2% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
85% |
| Delinquency Rate ? |
0.29%
-75.6% YoY
-45.8% QoQ
|
-0.63% |
0.92%
+15.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
105.03%
-1.9% YoY
+3.6% QoQ
|
+27.07% |
77.95%
+1.0% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 5.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.85%
+2.5% YoY
-0.8% QoQ
|
-7.18% |
22.03%
-0.6% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.39%
-69.4% YoY
-34.1% QoQ
|
-0.28% |
0.67%
+16.4% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
13.39%
-6.0% YoY
+1.1% QoQ
|
-2.52% |
15.91%
+1.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.06%
-7.9% YoY
+108.8% QoQ
|
-0.51% |
0.57%
+7.6% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
Bottom 7.5% in tier |
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 |
14.9%
+0.4pp YoY -0.1pp QoQ |
-7.3pp | 22.1% | 19.6% | 22.2% | 23% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.7%
-0.8pp YoY -1.5pp QoQ |
-1.8pp | 11.6% | 12.7% | 12.5% | 51% |
| CRE |
27.3%
-0.3pp YoY -0.3pp QoQ |
-12.3pp | 39.5% | 41.0% | 41.4% | 30% |
| 1-4 Family |
24.0%
+0.9pp YoY +1.5pp QoQ |
-8.6pp | 32.6% | 28.1% | 31.3% | 39% |
| Consumer |
3.3%
-0.3pp YoY 0.0pp QoQ |
-0.8pp | 4.1% | 4.5% | 5.0% | 64% |
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 |
13.4%
-0.8pp YoY +0.1pp QoQ |
+1.2pp | 12.2% | 11.9% | 12.6% | 78% |
| 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 |
28
0 YoY +1 (+3.7%) QoQ |
-31 | 58 | 315 | 482 | 24% |
| Assets per Employee ($) |
$7.2M
+10.4% YoY -4.4% QoQ |
-$339K | $7.5M | $6.7M | $8.8M | 55% |
| Branch Count |
5
+1 (+25.0%) YoY +1 (+25.0%) QoQ |
0 | 4 | 25 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.9pp YoY -0.1pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.4% | 4% |
| Nonaccrual |
0.4%
0.0pp YoY -0.2pp QoQ |
-0.5pp | 0.9% | 1.1% | 1.0% | 49% |
| Allowance Coverage |
2.53x
+316.4% YoY +79.3% QoQ |
-21.62x | 24.15x | 4.69x | 20.23x | 54% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.2% | 0.2% | 47% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.4%
-1.5pp YoY +1.0pp QoQ |
+3.2pp | 12.2% | 12.3% | 11.6% | 70% |
| Cost of Funds (YTD) |
2.3%
0.0pp YoY 0.0pp QoQ |
+0.6pp | 1.7% | 2.0% | 1.7% | 85% |
| Net Income ($, YTD) |
$2.0M
-4.7% YoY — QoQ |
-$533K | $2.6M | $16.0M | $40.4M | 53% |
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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.