BlastPoint's Banking Scorecard
Producers Bank & Trust
Micro
Specialty: Agricultural
AR
FDIC cert 11242
Designations: ✓ Community bank
Mcgehee, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Producers Bank & Trust shows strong momentum with 1 strength and 19.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.91% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$195.3M
+19.4% YoY
-0.5% QoQ
|
-$22.2M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$134.6M
+20.1% YoY
-5.1% QoQ
|
-$4.6M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$147.9M
+15.3% YoY
+9.3% QoQ
|
-$35.7M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.99%
+6.7% YoY
-8.8% QoQ
|
+0.91% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.54%
+5.9% YoY
+2.8% QoQ
|
+0.69% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
50.92%
-5.1% YoY
+7.4% QoQ
|
-16.81% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
0.56%
-32.7% YoY
-49.0% QoQ
|
-0.08% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
90.96%
+4.2% YoY
-13.1% QoQ
|
+16.43% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
25.46%
-3.7% YoY
-3.1% QoQ
|
+3.07% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.39%
-32.3% YoY
-51.4% QoQ
|
-0.07% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
44% |
| 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 ? |
0.53%
-20.8% YoY
+59.6% QoQ
|
-0.03% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 10%
in Micro
Why this stands out
Current:
1.99%
(Tier avg: 1.08%, National avg: 1.12%)
Concerns (0)
No concerns identified
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
90
90th pctile
Return on Assets
Current: 1.99% · Tier avg: 1.08%
89
89th pctile
Efficiency Ratio
Current: 50.92% · Tier avg: 67.73%
80
80th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.85%
72
72th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.56%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.46% · Tier avg: 22.39%
55
55th pctile
Total Loans
Current: $134.6M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Assets
Current: $195.3M · Tier avg: $217.5M
45
45th pctile
Total Deposits
Current: $147.9M · Tier avg: $183.7M
44
44th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.45%
43
43th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.64%
21
21th pctile
Loan-to-Deposit Ratio
Current: 90.96% · Tier avg: 74.53%
Top Weaknesses
21
21th pctile
Loan-to-Deposit Ratio
Current: 90.96% · Tier avg: 74.53%
43
43th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.64%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.45%
45
45th pctile
Total Deposits
Current: $147.9M · Tier avg: $183.7M
50
50th pctile
Total Assets
Current: $195.3M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Total Loans
Current: $134.6M · Tier avg: $139.2M
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.46% · Tier avg: 22.39%
72
72th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.56%
80
80th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.85%
89
89th pctile
Efficiency Ratio
Current: 50.92% · Tier avg: 67.73%
90
90th pctile
Return on Assets
Current: 1.99% · Tier avg: 1.08%