BlastPoint

BlastPoint's Banking Scorecard

Producers Bank & Trust

$100M-$1B Specialty: Agricultural AR FDIC cert 11242

Designations: ✓ CDFI-certified

Mcgehee, AR

5 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in AR.
  • Deposits +3.9% year over year ($159.6M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.86%.
  • Efficiency ratio 52.51% vs a 64.48% peer average.
  • Loan-to-deposit ratio 95.68% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in AR
View $100M-$1B leaderboard (AR) →

Producers Bank & Trust has 5 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

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.54% above tier average
  • + Net Interest Margin 0.25% above tier average
  • + Efficiency Ratio 11.97% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 14.3% in tier
  • - NIB Deposit Bleed: Bottom 46.3% in tier
Get updates when Producers Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $213.2M
+14.9% YoY +3.8% QoQ
-$173.3M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
30%
Total Loans ? $152.7M
+23.7% YoY +15.0% QoQ
-$105.6M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
36%
Total Deposits ? $159.6M
+3.9% YoY +1.7% QoQ
-$167.1M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
24%
Return on Assets ? 1.86%
-10.6% YoY -15.3% QoQ
+0.54% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
83%
Net Interest Margin ? 4.24%
+0.0% YoY -0.8% QoQ
+0.25% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
67%
Efficiency Ratio ? 52.51%
+6.5% YoY +9.4% QoQ
-11.97% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
78%
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-0.92% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 95.68%
+19.0% YoY +13.0% QoQ
+17.73% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
15%
Non-Interest-Bearing Deposit Share ? 20.70%
-34.1% YoY -11.8% QoQ
-1.33% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
48%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY -100.0% QoQ
-0.67% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 22.09%
+33.4% YoY -5.7% QoQ
+6.18% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
Top 10.3% in tier
Non-Interest Income / Assets ? 0.27%
+5.6% YoY +38.0% QoQ
-0.30% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
67%

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 20.7%
-10.7pp YoY
-2.8pp QoQ
 -1.4pp 22.1% 19.6% 22.2% 48%
Brokered Deposits n/a n/a 7.9% 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 9.1%
-1.5pp YoY
-1.9pp QoQ
 -2.5pp 11.6% 12.7% 12.5% 47%
CRE 18.9%
-1.3pp YoY
 -20.6pp 39.5% 41.0% 41.4% 16%
1-4 Family 9.5%
+3.0pp YoY
-5.4pp QoQ
 -23.1pp 32.6% 28.1% 31.3% 10%
Consumer 1.9%
-0.2pp YoY
-0.3pp QoQ
 -2.2pp 4.1% 4.5% 5.0% 46%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 22.1%
+5.5pp YoY
-1.3pp QoQ
 +9.9pp 12.2% 11.9% 12.6% 97%
Total Capital Ratio n/a n/a 19.9% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 32
+3 (+10.3%) YoY
+3 (+10.3%) QoQ
 -27 58 315 482 30%
Assets per Employee ($) $6.7M
+4.1% YoY
-5.9% QoQ
 -$855K $7.5M $6.7M $8.8M 46%
Branch Count 5
+1 (+25.0%) YoY
+1 (+25.0%) QoQ
 0 4 25 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.1% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 4.69x 20.23x n/a
Net Charge-off Rate (YTD) 0.7%
-0.8pp YoY
+0.1pp QoQ
 +0.5pp 0.1% 0.2% 0.2% 96%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 8.2%
-3.8pp YoY
-1.3pp QoQ
 -4.0pp 12.2% 12.3% 11.6% 27%
Cost of Funds (YTD) 1.9%
-0.1pp YoY
+0.1pp QoQ
 +0.2pp 1.7% 2.0% 1.7% 64%
Net Income ($, YTD) $1.9M
+5.6% YoY
— QoQ
 -$654K $2.6M $16.0M $40.4M 50%

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 (2)

Liquidity Overhang

risk
#107 of 742 • Bottom 14.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 22.09%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 95.68%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline
#76 of 162 • Bottom 46.3% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 20.70%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
272
Tier 1 Capital Ratio
capital
Value: 22.09%
Peer Median: 15.91%
#272 of 2643 Top 10.3% in $100M-$1B
456
Return on Assets
profitability
Value: 1.86%
Peer Median: 1.32%
#456 of 2643 Top 17.2% in $100M-$1B
578
Efficiency Ratio
profitability
Value: 52.51%
Peer Median: 64.48%
#578 of 2643 Top 21.8% in $100M-$1B

Top Weaknesses (2 metrics)

2238
Loan-to-Deposit Ratio
liquidity
Value: 95.68%
Peer Median: 77.95%
#2238 of 2643 Bottom 15.4% in $100M-$1B
2016
Total Deposits
size
Value: $159.63M
Peer Median: $326.73M
#2016 of 2643 Bottom 23.8% in $100M-$1B
Powered by BlastPoint © 2026