Producers Bank & Trust
Mcgehee, AR·RSSD 897648·FDIC 11242·bank:897648·CBLR opted in
- #62 of 78Total assets in Arkansas
- 5offices
- 32employees
- #4 of 77Loan growth in Arkansas
- Top 8%Loan quality vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Producers Bank & Trust
8 of 24 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal2.43%peers 1.68%+74 bps
Producers Bank & Trust's cost of deposits has not eased the way it has at similar banks, while noninterest-bearing deposits lost share.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 2.43% | 1.68% | +74 bps |
| Share of deposits that pay no interest | ||
| 20.7% | 21.6% | -0.9 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Producers Bank & Trust itself is left out of every peer median and percentile. How signals work
Leverage capital ratio rising faster than peersStrength: Capital 2nd quarter22.09%peers 11.33%+10.8 pp
Producers Bank & Trust's leverage ratio rose 5.5 percentage points over the past year to 22.09%. Among 1222 similar banks, the median rose 0.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 22.09% | 11.33% | +10.8 pp |
| 12-month change | ||
| +5.5 pp | +0.1 pp | +5.4 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Producers Bank & Trust itself is left out of every peer median and percentile. How signals work
Problem loans falling while the peer median holds steadyStrength: Asset quality0.00%peers 0.38%-38 bps
Producers Bank & Trust's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans fell 173 bps over the past year to 0.00%. Among 1206 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 0.00% | 0.38% | -38 bps |
| 12-month change | ||
| -173 bps | 0 bps | -173 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Producers Bank & Trust itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending+23.2%peers +5.3%+17.9 pp
Producers Bank & Trust's loans grew 23.2% over the past year to $155 million. The median among 1206 similar banks was +5.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +23.2% | +5.3% | +17.9 pp |
| Loans | ||
| $155 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Producers Bank & Trust itself is left out of every peer median and percentile. How signals work
4 more observations
- Noninterest-bearing deposit share falling faster than peersFunding
- Unrealized securities position worsening while the peer median improvesCapital
- Net charge-offs rising while the peer median holds steadyAsset quality
- Deposit costs rising while the peer median fallsFunding
Key facts
- Producers Bank & Trust is a bank headquartered in Mcgehee, Arkansas. It reported $213 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $160 million, up 3.9% from a year earlier, and loans totaled $155 million, up 23.2%.
- Its net interest margin was 4.21% and its annualized return on assets was 1.54% for the quarter.
- Its cost of all deposits was 2.43%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Producers Bank & Trust's own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Producers Bank & Trust · Bank
- Federal Reserve RSSD
- 897648
- FDIC certificate
- 11242
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Producers Bank & Trust itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $802K | — | |
| $3.03M | — | |
| $972K | — | |
| $2.06M | — | |
| $174K | — | |
| $1.28M | — | |
| $270K | — | |
| $150K | — | |
| 1.54% | 1.53%ROAQ · Quarter | |
| 4.21% | 4.20%NIMYQ · Quarter | |
| 57.35% | 57.35%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.