| Metric | Producers Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.9% | +4.4% | +10.5 pts |
| Deposit growth (YoY) | +3.9% | +4.0% | -0.1 pts |
| Loan growth (YoY) | +23.7% | +5.6% | +18.1 pts |
| ROA | 1.86% | 1.24% | +0.6 pts |
| ROE | 8.2% | 11.9% | -3.6 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $213.2M | $159.6M | $152.7M | $46.7M | $1.9M | 1.86% | 4.24% | 0.00% |
| Q1 2026 | $205.4M | $156.9M | $132.8M | $46.6M | $1.1M | 2.19% | 4.27% | 0.60% |
| Q4 2025 | $195.3M | $147.9M | $134.6M | $45.4M | $3.6M | 1.99% | 4.54% | 0.39% |
| Q3 2025 | $196.2M | $135.4M | $141.7M | $45.9M | $2.9M | 2.19% | 4.42% | 0.79% |
| Q2 2025 | $185.6M | $153.6M | $123.5M | $30.4M | $1.8M | 2.08% | 4.24% | 1.18% |
| Q1 2025 | $170.3M | $138.6M | $112.8M | $30.2M | $994K | 2.38% | 4.30% | 0.19% |
| Q4 2024 | $163.6M | $128.3M | $112.0M | $29.0M | $3.1M | 1.87% | 4.29% | 0.57% |
| Q3 2024 | $179.5M | $117.9M | $123.0M | $29.8M | $2.9M | 2.33% | 4.20% | 0.00% |
Loan mix (Q2 2026): real estate $66.7M · commercial $13.9M · consumer $2.9M · securities $43.7M
| Ratio | Producers Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 1.24% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.5% | 62.9% | 21st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Producers Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Producers Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Producers Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Producers Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Producers Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 2 counties across 1 state (+1 vs 2025) · $159.6M branch deposits. Biggest market: Desha, AR, ranked 2nd with 32.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Desha, AR | 4 | $159.6M | 32.66% | 2nd |
| Pulaski, AR | 1 | $0 | 0.00% | 55th |
Arkansas: 86th with 0.14% · Little Rock-North Little Rock-Conway metro: 68th, 0.00% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 5