BlastPoint's Banking Scorecard
Petit Jean State Bank
Morrilton, AR
2 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 +6.0% year over year ($210.5M on the books).
- Delinquency rate 0.64%.
- Return on assets 1.97%.
- Efficiency ratio 39.95% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.03% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Petit Jean State Bank shows strong momentum with 4 strengths and 5.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 24.53% below tier average
- + ROA 0.64% above tier average
- + Net Interest Margin 0.15% above tier average
- + Delinquency Rate 0.28% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$260.0M
+5.6% YoY
-0.8% QoQ
|
-$126.6M |
$386.6M
+1.2% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
38% |
| Total Loans ? |
$141.1M
+9.7% YoY
+0.5% QoQ
|
-$117.2M |
$258.3M
+1.7% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
32% |
| Total Deposits ? |
$210.5M
+6.0% YoY
-0.9% QoQ
|
-$116.2M |
$326.7M
+0.7% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
37% |
| Return on Assets ? |
1.97%
+8.2% YoY
+1.5% QoQ
|
+0.64% |
1.32%
+10.8% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
Top 13.8% in tier |
| Net Interest Margin ? |
4.14%
+4.5% YoY
+1.6% QoQ
|
+0.15% |
3.99%
+5.0% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
61% |
| Efficiency Ratio ? |
39.95%
-4.8% YoY
-0.6% QoQ
|
-24.53% |
64.48%
-3.2% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Top 4.0% in tier |
| Delinquency Rate ? |
0.64%
+452.3% YoY
+6.2% QoQ
|
-0.28% |
0.92%
+15.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
67.03%
+3.6% YoY
+1.5% QoQ
|
-10.93% |
77.95%
+1.0% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
17.62%
-5.5% YoY
-6.7% QoQ
|
-4.41% |
22.03%
-0.6% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.35%
+474.1% YoY
+7.6% QoQ
|
-0.32% |
0.67%
+16.4% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
16.93%
+0.7% YoY
+0.7% QoQ
|
+1.02% |
15.91%
+1.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.15%
+1.6% YoY
+107.5% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
34% |
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 |
17.6%
-1.0pp YoY -1.3pp QoQ |
-4.5pp | 22.1% | 19.6% | 22.2% | 34% |
| 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 |
28.3%
-2.2pp YoY +0.7pp QoQ |
+16.7pp | 11.6% | 12.7% | 12.5% | 95% |
| CRE |
45.8%
-0.8pp YoY +0.7pp QoQ |
+6.3pp | 39.5% | 41.0% | 41.4% | 63% |
| 1-4 Family |
21.7%
+3.0pp YoY -1.9pp QoQ |
-10.9pp | 32.6% | 28.1% | 31.3% | 34% |
| Consumer |
3.3%
-1.0pp YoY -0.1pp QoQ |
-0.8pp | 4.1% | 4.5% | 5.0% | 63% |
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 |
16.9%
+0.1pp YoY +0.1pp QoQ |
+4.8pp | 12.2% | 11.9% | 12.6% | 93% |
| 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 |
30
+2 (+7.1%) YoY 0 QoQ |
-29 | 58 | 315 | 482 | 26% |
| Assets per Employee ($) |
$8.7M
-1.5% YoY -0.8% QoQ |
+$1.1M | $7.5M | $6.7M | $8.8M | 76% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 25 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.6%
+0.5pp YoY 0.0pp QoQ |
-0.3pp | 0.9% | 1.1% | 1.0% | 60% |
| Allowance Coverage |
2.99x
-81.9% YoY -5.4% QoQ |
-21.17x | 24.15x | 4.69x | 20.23x | 58% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 15% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.7%
+0.8pp YoY +0.1pp QoQ |
-0.5pp | 12.2% | 12.3% | 11.6% | 48% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 2.0% | 1.7% | 47% |
| Net Income ($, YTD) |
$2.5M
+15.2% YoY — QoQ |
-$25K | $2.6M | $16.0M | $40.4M | 62% |
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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.