BlastPoint's Banking Scorecard
The Merchants & Planters Bank
Designations: ✓ Community bank
Clarendon, AR
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 5 in AR.
- Deposits +1.0% year over year ($46.9M on the books).
- Delinquency rate 0.21%.
- Return on assets 0.40%.
- Efficiency ratio 79.34% vs a 119.40% peer average.
- Loan-to-deposit ratio 44.18% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Merchants & Planters Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 40.06% below tier average
- + Delinquency Rate 1.27% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Net Interest Margin 0.61% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$51.3M
+2.4% YoY
-2.2% QoQ
|
-$11.2M |
$62.4M
-0.0% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
33% |
| Total Loans ? |
$20.7M
+6.9% YoY
+17.0% QoQ
|
-$14.2M |
$34.9M
-0.6% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$46.9M
+1.0% YoY
-3.3% QoQ
|
-$4.7M |
$51.6M
-0.2% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
0.40%
-44.1% YoY
-26.5% QoQ
|
-0.59% |
1.00%
+3.5% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
24% |
| Net Interest Margin ? |
3.30%
-0.9% YoY
+0.5% QoQ
|
-0.61% |
3.91%
+2.3% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
22% |
| Efficiency Ratio ? |
79.34%
+2.2% YoY
+1.7% QoQ
|
-40.06% |
119.40%
+49.6% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
33% |
| Delinquency Rate ? |
0.21%
+302.2% YoY
+67.0% QoQ
|
-1.27% |
1.48%
+31.8% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
44.18%
+5.9% YoY
+21.0% QoQ
|
-30.03% |
74.21%
+12.6% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
20.78%
-1.5% YoY
-2.8% QoQ
|
-2.71% |
23.49%
+0.6% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.18%
+53.2% YoY
+32.9% QoQ
|
-0.66% |
0.84%
+23.0% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
11.30%
+0.4% YoY
+8.1% QoQ
|
-15.83% |
27.13%
+3.0% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
15% |
| Non-Interest Income / Assets ? |
0.15%
-8.4% YoY
+91.7% QoQ
|
-1.23% |
1.38%
+6.3% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
57% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.8%
-0.3pp YoY -0.6pp QoQ |
-3.9pp | 24.6% | 19.6% | 22.2% | 40% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
26.2%
-11.0pp YoY -4.5pp QoQ |
+12.8pp | 13.4% | 12.7% | 12.5% | 87% |
| CRE | n/a | n/a | 25.2% | 41.0% | 41.4% | n/a |
| 1-4 Family |
0.2%
-0.5pp YoY -0.1pp QoQ |
-34.8pp | 35.0% | 28.1% | 31.3% | 2% |
| Consumer |
4.3%
-0.6pp YoY -0.1pp QoQ |
-3.4pp | 7.7% | 4.5% | 5.0% | 45% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
11.3%
0.0pp YoY +0.8pp QoQ |
-6.4pp | 17.7% | 11.9% | 12.6% | 32% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
0 YoY 0 QoQ |
-4 | 12 | 315 | 482 | 29% |
| Assets per Employee ($) |
$6.4M
+2.4% YoY -2.2% QoQ |
+$221K | $6.2M | $6.7M | $8.8M | 57% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 25 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.1% | -0.9pp | 1.0% | 0.1% | 0.4% | 28% |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-1.6pp | 1.7% | 1.1% | 1.0% | 12% |
| Allowance Coverage |
3.05x
-76.4% YoY -48.4% QoQ |
-3.36x | 6.41x | 4.69x | 20.23x | 72% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY -0.1pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.2% | 53% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.6%
-5.8pp YoY -2.2pp QoQ |
-0.8pp | 6.4% | 12.3% | 11.6% | 36% |
| Cost of Funds (YTD) |
1.3%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.4% | 2.0% | 1.7% | 45% |
| Net Income ($, YTD) |
$107,000
-41.2% YoY — QoQ |
-$211K | $317,817 | $16.0M | $40.4M | 24% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.