BlastPoint's Banking Scorecard

The Merchants & Planters Bank

under $100M Specialty: Other AR FDIC cert 107

Designations: ✓ Community bank

Clarendon, AR

541 banks in the under $100M peer group nationally 5 in AR

The Merchants & Planters Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 10.35% below tier average
+ Delinquency Rate 1.25% below tier average

Key Concerns

Areas that may need attention

- ROA 0.29% below tier average
- Net Interest Margin 0.57% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$52.4M +7.8% YoY -5.0% QoQ	-$9.7M	$62.2M -0.6% YoY	$2.3B +2.8% YoY	$6.2B +9.1% YoY	34%
Total Loans ?	$17.7M -4.1% YoY +1.0% QoQ	-$16.5M	$34.2M -1.4% YoY	$1.7B +6.4% YoY	$3.2B +10.8% YoY	24%
Total Deposits ?	$48.5M +7.2% YoY -5.1% QoQ	-$3.2M	$51.7M -0.7% YoY	$1.9B +3.0% YoY	$4.8B +8.2% YoY	42%
Return on Assets ?	0.55% -24.4% YoY -17.4% QoQ	-0.29%	0.84% -2.3% YoY	1.34% +14.2% YoY	1.23% +13.4% YoY	32%
Net Interest Margin ?	3.29% -1.3% YoY -2.7% QoQ	-0.57%	3.86% +2.8% YoY	4.08% +8.2% YoY	3.89% +5.7% YoY	24%
Efficiency Ratio ?	78.00% -1.4% YoY +3.6% QoQ	-10.35%	88.34% +0.3% YoY	61.77% -4.8% YoY	66.95% -4.1% YoY	38%
Delinquency Rate ?	0.12% +76.4% YoY -16.2% QoQ	-1.25%	1.37% +33.8% YoY	1.02% +24.4% YoY	0.95% +18.8% YoY	63%
Loan-to-Deposit Ratio ?	36.52% -10.5% YoY +6.5% QoQ	-27.70%	64.22% -0.7% YoY	80.49% +1.3% YoY	76.70% +0.9% YoY	Top 14.2% in tier
Non-Interest-Bearing Deposit Share ?	21.38% +1.1% YoY -7.5% QoQ	-2.33%	23.71% +0.3% YoY	19.62% +0.8% YoY	22.01% -1.2% YoY	44%
Nonperforming Asset Ratio ?	0.13% +6.4% YoY -0.4% QoQ	-0.65%	0.79% +28.2% YoY	0.79% +32.8% YoY	0.67% +19.3% YoY	58%
Tier 1 Capital Ratio ?	10.45% -9.4% YoY -2.0% QoQ	-16.23%	26.68% +2.0% YoY	13.59% +0.0% YoY	17.06% +0.8% YoY	Bottom 9.6% in tier
Non-Interest Income / Assets ?	0.08% -17.6% YoY -74.8% QoQ	-0.59%	0.67% +1.9% YoY	0.18% -3.1% YoY	0.32% +4.1% YoY	59%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (1 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 36.52%

Peer Median: 64.22%

#78 of 541 Top 14.2% in under $100M

Top Weaknesses (3 metrics)

490

Tier 1 Capital Ratio

capital

Value: 10.45%

Peer Median: 26.68%

#490 of 541 Bottom 9.6% in under $100M

414

Total Loans

size

Value: $17.72M

Peer Median: $34.25M

#414 of 541 Bottom 23.7% in under $100M

411

Net Interest Margin

profitability

Value: 3.29%

Peer Median: 3.86%

#411 of 541 Bottom 24.2% in under $100M