BlastPoint's Banking Scorecard
The Merchants & Planters Bank
Micro
Specialty: Other
AR
FDIC cert 107
Designations: ✓ Community bank
Clarendon, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
The Merchants & Planters Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 40.22% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$55.2M
+5.1% YoY
+9.4% QoQ
|
-$162.3M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$17.5M
-5.4% YoY
-10.4% QoQ
|
-$121.6M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$51.1M
+3.2% YoY
+10.2% QoQ
|
-$132.5M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
0.67%
+8.9% YoY
-3.2% QoQ
|
-0.42% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.37%
+4.3% YoY
-0.5% QoQ
|
-0.48% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
75.32%
-8.0% YoY
-0.6% QoQ
|
+7.59% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
0.15%
+1.7% YoY
+163.8% QoQ
|
-0.49% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
34.30%
-8.3% YoY
-18.7% QoQ
|
-40.22% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.13%
+5.9% YoY
+14.8% QoQ
|
+0.73% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.13%
-6.1% YoY
+14.7% QoQ
|
-0.32% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.30%
+0.6% YoY
+23.1% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
34.30%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
67
67th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.13% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
28
28th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.85%
28
28th pctile
Efficiency Ratio
Current: 75.32% · Tier avg: 67.73%
26
26th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.08%
11
11th pctile
Total Deposits
Current: $51.1M · Tier avg: $183.7M
9
9th pctile
Total Assets
Current: $55.2M · Tier avg: $217.5M
6
6th pctile
Total Loans
Current: $17.5M · Tier avg: $139.2M
3
3th pctile
Loan-to-Deposit Ratio
Current: 34.30% · Tier avg: 74.53%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 34.30% · Tier avg: 74.53%
6
6th pctile
Total Loans
Current: $17.5M · Tier avg: $139.2M
9
9th pctile
Total Assets
Current: $55.2M · Tier avg: $217.5M
11
11th pctile
Total Deposits
Current: $51.1M · Tier avg: $183.7M
26
26th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.08%
28
28th pctile
Efficiency Ratio
Current: 75.32% · Tier avg: 67.73%
28
28th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.85%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.13% · Tier avg: 22.39%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
67
67th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%