BlastPoint's Banking Scorecard

Petit Jean State Bank

$100M-$1B Specialty: Commercial AR FDIC cert 35084

Morrilton, AR

2 branches across AR

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

Petit Jean State Bank shows strong momentum with 4 strengths and 8.0% YoY asset growth

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

+ Efficiency Ratio 25.09% below tier average
+ ROA 0.67% above tier average
+ Net Interest Margin 0.14% above tier average
+ Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$262.0M +8.0% YoY +4.7% QoQ	-$124.0M	$386.1M +0.5% YoY	$2.3B +2.8% YoY	$6.2B +9.1% YoY	39%
Total Loans ?	$140.4M +15.4% YoY +4.1% QoQ	-$115.3M	$255.7M +1.1% YoY	$1.7B +6.4% YoY	$3.2B +10.8% YoY	33%
Total Deposits ?	$212.5M +8.6% YoY +5.5% QoQ	-$115.5M	$328.0M +0.1% YoY	$1.9B +3.0% YoY	$4.8B +8.2% YoY	37%
Return on Assets ?	1.94% +10.9% YoY +7.0% QoQ	+0.67%	1.27% +12.9% YoY	1.34% +14.2% YoY	1.23% +13.4% YoY	Top 14.0% in tier
Net Interest Margin ?	4.07% +4.8% YoY -0.4% QoQ	+0.14%	3.93% +6.0% YoY	4.08% +8.2% YoY	3.89% +5.7% YoY	61%
Efficiency Ratio ?	40.20% -5.8% YoY -3.5% QoQ	-25.09%	65.29% -4.5% YoY	61.77% -4.8% YoY	66.95% -4.1% YoY	Top 4.2% in tier
Delinquency Rate ?	0.60% +477.2% YoY -3.9% QoQ	-0.28%	0.89% +18.8% YoY	1.02% +24.4% YoY	0.95% +18.8% YoY	40%
Loan-to-Deposit Ratio ?	66.07% +6.3% YoY -1.3% QoQ	-10.57%	76.64% +0.8% YoY	80.49% +1.3% YoY	76.70% +0.9% YoY	73%
Non-Interest-Bearing Deposit Share ?	18.88% +0.3% YoY +12.2% QoQ	-3.14%	22.02% -1.0% YoY	19.62% +0.8% YoY	22.01% -1.2% YoY	40%
Nonperforming Asset Ratio ?	0.32% +476.1% YoY -4.5% QoQ	-0.32%	0.64% +19.7% YoY	0.79% +32.8% YoY	0.67% +19.3% YoY	49%
Tier 1 Capital Ratio ?	16.81% +1.5% YoY -0.2% QoQ	+0.98%	15.83% +1.5% YoY	13.59% +0.0% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.07% +7.6% YoY -75.3% QoQ	-0.21%	0.28% +9.3% YoY	0.18% -3.1% YoY	0.32% +4.1% YoY	33%

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 (3 metrics)

114

Efficiency Ratio

profitability

Value: 40.20%

Peer Median: 65.29%

#114 of 2664 Top 4.2% in $100M-$1B

375

Return on Assets

profitability

Value: 1.94%

Peer Median: 1.27%

#375 of 2664 Top 14.0% in $100M-$1B

633

Tier 1 Capital Ratio

capital

Value: 16.81%

Peer Median: 15.83%

#633 of 2664 Top 23.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available