BlastPoint's Banking Scorecard

Producers Bank & Trust

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

Designations: ✓ CDFI-certified

Mcgehee, AR

5 branches across AR

2664 banks in the $100M-$1B peer group nationally 50 in AR

Producers Bank & Trust has 4 strengths but faces 1 concern

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

+ Revenue Diversifier: Top 32.0% in tier
+ Return on Assets 0.93% above tier average
+ Net Interest Margin 0.34% above tier average
+ Efficiency Ratio 17.26% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 16.9% in tier

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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 ?	$205.4M +20.6% YoY +5.2% QoQ	-$180.7M	$386.1M +0.5% YoY	$2.3B +2.8% YoY	$6.2B +9.1% YoY	28%
Total Loans ?	$132.8M +17.8% YoY -1.3% QoQ	-$122.9M	$255.7M +1.1% YoY	$1.7B +6.4% YoY	$3.2B +10.8% YoY	30%
Total Deposits ?	$156.9M +13.2% YoY +6.1% QoQ	-$171.0M	$328.0M +0.1% YoY	$1.9B +3.0% YoY	$4.8B +8.2% YoY	23%
Return on Assets ?	2.19% -7.8% YoY +10.1% QoQ	+0.93%	1.27% +12.9% YoY	1.34% +14.2% YoY	1.23% +13.4% YoY	Top 8.6% in tier
Net Interest Margin ?	4.27% -0.7% YoY -6.0% QoQ	+0.34%	3.93% +6.0% YoY	4.08% +8.2% YoY	3.89% +5.7% YoY	72%
Efficiency Ratio ?	48.02% +0.5% YoY -5.7% QoQ	-17.26%	65.29% -4.5% YoY	61.77% -4.8% YoY	66.95% -4.1% YoY	Top 12.5% in tier
Delinquency Rate ?	0.93% +220.9% YoY +67.0% QoQ	+0.05%	0.89% +18.8% YoY	1.02% +24.4% YoY	0.95% +18.8% YoY	30%
Loan-to-Deposit Ratio ?	84.64% +4.1% YoY -6.9% QoQ	+8.01%	76.64% +0.8% YoY	80.49% +1.3% YoY	76.70% +0.9% YoY	36%
Non-Interest-Bearing Deposit Share ?	23.46% -11.0% YoY -7.8% QoQ	+1.44%	22.02% -1.0% YoY	19.62% +0.8% YoY	22.01% -1.2% YoY	61%
Nonperforming Asset Ratio ?	0.60% +213.6% YoY +56.8% QoQ	-0.03%	0.64% +19.7% YoY	0.79% +32.8% YoY	0.67% +19.3% YoY	33%
Tier 1 Capital Ratio ?	23.42% +30.9% YoY +4.0% QoQ	+7.59%	15.83% +1.5% YoY	13.59% +0.0% YoY	17.06% +0.8% YoY	Top 8.1% in tier
Non-Interest Income / Assets ?	0.20% +8.6% YoY -63.4% QoQ	-0.08%	0.28% +9.3% YoY	0.18% -3.1% YoY	0.32% +4.1% YoY	Top 14.8% in tier

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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 (1)

Revenue Diversifier

growth

#214 of 666 • Top 32.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.20%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.19%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Liquidity Overhang

risk

#126 of 739 • Bottom 16.9% 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: 23.42%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 84.64%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

216

Tier 1 Capital Ratio

capital

Value: 23.42%

Peer Median: 15.83%

#216 of 2664 Top 8.1% in $100M-$1B

230

Return on Assets

profitability

Value: 2.19%

Peer Median: 1.27%

#230 of 2664 Top 8.6% in $100M-$1B

334

Efficiency Ratio

profitability

Value: 48.02%

Peer Median: 65.29%

#334 of 2664 Top 12.5% in $100M-$1B

395

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#395 of 2664 Top 14.8% in $100M-$1B

Top Weaknesses (1 metrics)

2052

Total Deposits

size

Value: $156.94M

Peer Median: $327.97M

#2052 of 2664 Bottom 23.0% in $100M-$1B