BlastPoint's Banking Scorecard
Merchants & Planters' Bank
Micro
Specialty: Agricultural
AR
FDIC cert 16464
Designations: ✓ Community bank
Newport, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Merchants & Planters' Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.51% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.55% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$359.4M
+11.7% YoY
+1.8% QoQ
|
+$141.9M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$168.8M
-5.3% YoY
-5.3% QoQ
|
+$29.6M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$321.5M
+11.9% YoY
+1.9% QoQ
|
+$137.8M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
85% |
| Return on Assets ? |
0.89%
-1.8% YoY
+4.0% QoQ
|
-0.20% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
4.05%
-3.9% YoY
+0.0% QoQ
|
+0.20% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
74.54%
-0.4% YoY
+0.3% QoQ
|
+6.81% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
3.19%
+2.4% YoY
+2.6% QoQ
|
+2.55% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
52.50%
-15.4% YoY
-7.1% QoQ
|
-22.03% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
27.20%
+5.5% YoY
+9.9% QoQ
|
+4.81% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
1.50%
-13.2% YoY
-4.7% QoQ
|
+1.05% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| 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 ? |
1.07%
-4.0% YoY
+33.2% QoQ
|
+0.51% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.07%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Delinquency Rate
metric
Bottom 6%
in Micro
Why this stands out
Current:
3.19%
(Tier avg: 0.64%, National avg: 0.66%)
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
93
93th pctile
Non-Interest Income / Assets
Current: 1.07% · Tier avg: 0.56%
85
85th pctile
Total Deposits
Current: $321.5M · Tier avg: $183.7M
82
82th pctile
Total Assets
Current: $359.4M · Tier avg: $217.5M
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.20% · Tier avg: 22.39%
66
66th pctile
Total Loans
Current: $168.8M · Tier avg: $139.2M
61
61th pctile
Net Interest Margin
Current: 4.05% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
29
29th pctile
Efficiency Ratio
Current: 74.54% · Tier avg: 67.73%
15
15th pctile
Loan-to-Deposit Ratio
Current: 52.50% · Tier avg: 74.53%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.50% · Tier avg: 0.45%
6
6th pctile
Delinquency Rate
Current: 3.19% · Tier avg: 0.64%
Top Weaknesses
6
6th pctile
Delinquency Rate
Current: 3.19% · Tier avg: 0.64%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.50% · Tier avg: 0.45%
15
15th pctile
Loan-to-Deposit Ratio
Current: 52.50% · Tier avg: 74.53%
29
29th pctile
Efficiency Ratio
Current: 74.54% · Tier avg: 67.73%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Net Interest Margin
Current: 4.05% · Tier avg: 3.85%
66
66th pctile
Total Loans
Current: $168.8M · Tier avg: $139.2M
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.20% · Tier avg: 22.39%
82
82th pctile
Total Assets
Current: $359.4M · Tier avg: $217.5M
85
85th pctile
Total Deposits
Current: $321.5M · Tier avg: $183.7M
93
93th pctile
Non-Interest Income / Assets
Current: 1.07% · Tier avg: 0.56%