BlastPoint's Banking Scorecard
Petit Jean State Bank
Micro
Specialty: Commercial
AR
FDIC cert 35084
Designations: ✓ Community bank
Morrilton, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Petit Jean State Bank shows strong momentum with 1 strength and 5.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 26.08% below 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 ? |
$250.3M
+5.9% YoY
+0.7% QoQ
|
+$32.8M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$134.9M
+11.4% YoY
+1.4% QoQ
|
-$4.3M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$201.5M
+5.4% YoY
+0.6% QoQ
|
+$17.8M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
1.81%
+3.6% YoY
-4.3% QoQ
|
+0.73% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
4.09%
+5.2% YoY
+1.6% QoQ
|
+0.24% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
41.64%
-2.3% YoY
+2.0% QoQ
|
-26.08% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.63%
+135.0% YoY
-1.8% QoQ
|
-0.01% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
66.96%
+5.7% YoY
+0.8% QoQ
|
-7.56% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
16.82%
-11.9% YoY
-3.4% QoQ
|
-5.57% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.34%
+147.2% YoY
-1.2% QoQ
|
-0.11% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
47% |
| 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 ? |
0.29%
-2.2% YoY
+30.7% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
41.64%
(Tier avg: 67.73%, National avg: 65.09%)
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
97
97th pctile
Efficiency Ratio
Current: 41.64% · Tier avg: 67.73%
85
85th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.08%
62
62th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.85%
62
62th pctile
Total Assets
Current: $250.3M · Tier avg: $217.5M
60
60th pctile
Total Deposits
Current: $201.5M · Tier avg: $183.7M
55
55th pctile
Total Loans
Current: $134.9M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.45%
40
40th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.64%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
34
34th pctile
Loan-to-Deposit Ratio
Current: 66.96% · Tier avg: 74.53%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.82% · Tier avg: 22.39%
Top Weaknesses
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.82% · Tier avg: 22.39%
34
34th pctile
Loan-to-Deposit Ratio
Current: 66.96% · Tier avg: 74.53%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
40
40th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.64%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Total Loans
Current: $134.9M · Tier avg: $139.2M
60
60th pctile
Total Deposits
Current: $201.5M · Tier avg: $183.7M
62
62th pctile
Total Assets
Current: $250.3M · Tier avg: $217.5M
62
62th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.85%
85
85th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.08%
97
97th pctile
Efficiency Ratio
Current: 41.64% · Tier avg: 67.73%