BlastPoint's Banking Scorecard
Merchants & Planters' Bank
Designations: ✓ CDFI-certified
Newport, AR
12 branches across AR
Merchants & Planters' Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 39.0% in tier
- - Delinquency Rate 1.38% above tier average
- - ROA 0.46% below tier average
- - Net Interest Margin 0.13% below tier average
- - Efficiency Ratio 12.24% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$347.6M
+4.5% YoY
-3.3% QoQ
|
-$38.5M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
54% |
| Total Loans ? |
$158.7M
-5.4% YoY
-6.0% QoQ
|
-$97.1M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$309.9M
+4.1% YoY
-3.6% QoQ
|
-$18.0M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
56% |
| Return on Assets ? |
0.81%
+13.6% YoY
-9.1% QoQ
|
-0.46% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
26% |
| Net Interest Margin ? |
3.80%
-5.2% YoY
-6.2% QoQ
|
-0.13% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
47% |
| Efficiency Ratio ? |
77.53%
+1.4% YoY
+4.0% QoQ
|
+12.24% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
19% |
| Delinquency Rate ? |
2.27%
-34.9% YoY
-28.8% QoQ
|
+1.38% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.9% in tier |
| Loan-to-Deposit Ratio ? |
51.19%
-9.2% YoY
-2.5% QoQ
|
-25.45% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
Top 10.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.04%
-6.8% YoY
-8.0% QoQ
|
+3.02% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
66% |
| Nonperforming Asset Ratio ? |
1.12%
-36.1% YoY
-25.0% QoQ
|
+0.49% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
10.19%
-3.5% YoY
+1.6% QoQ
|
-5.64% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.8% in tier |
| Non-Interest Income / Assets ? |
0.28%
+0.3% YoY
-74.0% QoQ
|
+0.00% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
Top 7.6% in tier |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.