BlastPoint's Banking Scorecard
Merchants & Planters' Bank
Designations: ✓ CDFI-certified
Newport, AR
12 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 +14.6% year over year ($340.9M on the books).
- Delinquency rate 1.30%.
- Return on assets 0.95%.
- Efficiency ratio 74.81% vs a 64.48% peer average.
- Loan-to-deposit ratio 52.84% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Merchants & Planters' Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency Ratio 10.33% above tier average
- - Delinquency Rate 0.38% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$379.4M
+14.0% YoY
+9.1% QoQ
|
-$7.2M |
$386.6M
+1.2% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
58% |
| Total Loans ? |
$180.1M
+2.5% YoY
+13.5% QoQ
|
-$78.2M |
$258.3M
+1.7% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
43% |
| Total Deposits ? |
$340.9M
+14.6% YoY
+10.0% QoQ
|
+$14.1M |
$326.7M
+0.7% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
62% |
| Return on Assets ? |
0.95%
+27.3% YoY
+17.1% QoQ
|
-0.38% |
1.32%
+10.8% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
31% |
| Net Interest Margin ? |
3.98%
-1.9% YoY
+4.8% QoQ
|
+0.00% |
3.99%
+5.0% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
52% |
| Efficiency Ratio ? |
74.81%
-1.8% YoY
-3.5% QoQ
|
+10.33% |
64.48%
-3.2% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
1.30%
-60.4% YoY
-42.7% QoQ
|
+0.38% |
0.92%
+15.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
52.84%
-10.5% YoY
+3.2% QoQ
|
-25.12% |
77.95%
+1.0% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
Top 10.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.58%
+16.8% YoY
+30.1% QoQ
|
+10.55% |
22.03%
-0.6% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
Top 13.3% in tier |
| Nonperforming Asset Ratio ? |
0.62%
-64.4% YoY
-45.0% QoQ
|
-0.05% |
0.67%
+16.4% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
10.15%
-2.3% YoY
-0.4% QoQ
|
-5.76% |
15.91%
+1.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 12.6% in tier |
| Non-Interest Income / Assets ? |
0.52%
-7.9% YoY
+86.8% QoQ
|
-0.05% |
0.57%
+7.6% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
Top 8.9% in tier |
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 |
32.6%
+4.7pp YoY +7.5pp QoQ |
+10.4pp | 22.1% | 19.6% | 22.2% | 87% |
| Brokered Deposits |
0.1%
0.0pp YoY 0.0pp QoQ |
-7.8pp | 7.9% | 7.2% | 8.5% | 6% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.0%
-1.2pp YoY -0.6pp QoQ |
-3.6pp | 11.6% | 12.7% | 12.5% | 40% |
| CRE |
23.9%
+2.0pp YoY +0.2pp QoQ |
-15.7pp | 39.5% | 41.0% | 41.4% | 25% |
| 1-4 Family |
21.5%
+2.7pp YoY -2.8pp QoQ |
-11.2pp | 32.6% | 28.1% | 31.3% | 33% |
| Consumer |
8.2%
-1.6pp YoY -1.3pp QoQ |
+4.1pp | 4.1% | 4.5% | 5.0% | 89% |
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 |
10.2%
-0.2pp YoY 0.0pp QoQ |
-2.0pp | 12.2% | 11.9% | 12.6% | 35% |
| 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 |
83
+2 (+2.5%) YoY +2 (+2.5%) QoQ |
+24 | 58 | 315 | 482 | 79% |
| Assets per Employee ($) |
$4.6M
+11.2% YoY +6.5% QoQ |
-$2.9M | $7.5M | $6.7M | $8.8M | 9% |
| Branch Count |
12
0 YoY 0 QoQ |
+7 | 4 | 25 | 18 | 95% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.7%
+0.2pp YoY +0.5pp QoQ |
+0.3pp | 0.3% | 0.1% | 0.4% | 86% |
| Nonaccrual |
0.6%
-2.2pp YoY -1.5pp QoQ |
-0.3pp | 0.9% | 1.1% | 1.0% | 60% |
| Allowance Coverage |
0.71x
+128.9% YoY +85.1% QoQ |
-23.45x | 24.15x | 4.69x | 20.23x | 17% |
| Net Charge-off Rate (YTD) |
-0.3%
-0.4pp YoY -0.4pp QoQ |
-0.4pp | 0.1% | 0.2% | 0.2% | 1% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.4%
+2.2pp YoY +1.7pp QoQ |
-1.8pp | 12.2% | 12.3% | 11.6% | 39% |
| Cost of Funds (YTD) |
1.5%
-0.3pp YoY -0.1pp QoQ |
-0.2pp | 1.7% | 2.0% | 1.7% | 37% |
| Net Income ($, YTD) |
$1.7M
+40.0% YoY — QoQ |
-$844K | $2.6M | $16.0M | $40.4M | 46% |
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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.