BlastPoint's Banking Scorecard
Bank of Delight
Delight, AR
4 branches across AR
Bank of Delight has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.60% above tier average
- + Net Interest Margin 0.13% above tier average
- + Efficiency Ratio 13.47% below tier average
- + Delinquency Rate 0.36% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 43.8% in tier
- - Loan-to-Deposit Ratio 24.71% above tier average
- - Non-Interest Income / Assets 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$202.9M
+10.1% YoY
+3.9% QoQ
|
-$183.2M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$174.3M
+11.2% YoY
-1.3% QoQ
|
-$81.4M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
43% |
| Total Deposits ? |
$172.0M
+15.3% YoY
+4.1% QoQ
|
-$156.0M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
27% |
| Return on Assets ? |
1.87%
-12.1% YoY
-12.3% QoQ
|
+0.60% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
84% |
| Net Interest Margin ? |
4.06%
-4.1% YoY
-6.8% QoQ
|
+0.13% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
51.81%
+7.9% YoY
+8.9% QoQ
|
-13.47% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
81% |
| Delinquency Rate ? |
0.53%
+129.6% YoY
+8.3% QoQ
|
-0.36% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
101.35%
-3.6% YoY
-5.2% QoQ
|
+24.71% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 7.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.98%
+2.4% YoY
-0.6% QoQ
|
-7.04% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.59%
+37.0% YoY
+1.3% QoQ
|
-0.05% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
33% |
| Tier 1 Capital Ratio ? |
13.24%
-2.6% YoY
+2.9% QoQ
|
-2.59% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.03%
-7.6% YoY
-78.0% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 7.4% in tier |
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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 (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.