Producers Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Producers Bank & Trust is an FDIC-insured commercial bank headquartered in McGehee, AR, established in 1933 (FDIC certificate 11242), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $213.2M, up 14.9% from Q2 2025, the 62nd largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 22.09% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 11242
- Headquarters
- McGehee, AR
- Established
- 1933
- Total assets, Q2 2026
- $213.2M
- Assets vs Q2 2025
- +14.9%
- Tier 1 leverage ratio, Q2 2026
- 22.09%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 082905851
- Holding company
- SOUTHEAST FINANCIAL BANKSTOCK CORPORATION
- Asset rank in state
- 62nd of 78 in Arkansas
Producers Bank & Trust carries far more capital than most banks of its size. Its balance sheet stood at $213 million at June 30, 2026, up 14.9% from a year earlier; it is based in Mcgehee, Arkansas. It funds 22.09% of its assets with Tier 1 capital, about double the median of 10.99% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 1.73%. Loans are outrunning deposits: over the year loans rose 23.2% and deposits rose 3.9%. Funding is the softer spot: it pays an average of 2.42% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Producers Bank & Trust reported a return on assets of 1.51%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Producers Bank & Trust is the 62nd largest of the 78 banks headquartered in Arkansas. Between Q1 2026 and Q2 2026, its total assets rose 3.8% to $213.2M, loans rose 14.7% and deposits rose 1.7%. Agricultural production loans made up 45.7% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 14.9%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in AR; its Mcgehee 2 offices book 100% of its branch deposits. By the capital ratios in its Q2 2026 call report, Producers Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 N 2nd St, McGehee, AR 71654
- County
- Desha
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- December 6, 1933
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $159.6M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $489K
- Average total assets
- $212.1M
- Average total loans
- $151.2M
- Average interest-bearing deposits
- $124.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11242
- Fed RSSD
- 897648
- Website
- www.producers.bank →
- Parent Holding Company
- SOUTHEAST FINANCIAL BANKSTOCK CORPORATION (RSSD 1096662)
- Ultimate Parent
- RSSD 3487965
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Producers Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Producers Bank & Trust's total assets moved between a low of $158.1M (Q3 2023) and a high of $213.2M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$213.2M total assets against $185.6M; $166.5M total liabilities against $155.3M.
$152.7M net loans and leases against $123.5M; $159.6M total deposits against $153.6M.
$43.7M securities against $39.6M; $5.8M cash and balances due against $15.0M.
$3.0M total interest income against $2.6M; $972K total interest expense against $831K.
$2.1M net interest income against $1.8M.
$174K total noninterest income against $168K; $1.3M total noninterest expense against $988K.
$150K provision for credit losses against $150K.
$802K net income against $806K.
1.51% return on assets against 1.76%; 4.06% net interest margin against 4.03%.
22.09% tier 1 leverage ratio against 16.55%.
Inside the full Producers Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeProducers Bank & Trust rankings
Its closest position to the top of a national ranking is 1,286 of 3,611, for ROA; its furthest is 3,525 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.41% (Q4 2024) to 2.38% (Q3 2025) and its net interest margin ran from 4.03% (Q2 2025) to 4.71% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.09% | 1.51% | 0.00% | 0.00% | 4.06% |
| Q1 2026 | 23.42% | 2.21% | 0.92% | 2.52% | 4.23% |
| Q4 2025 | 22.52% | 1.39% | 0.55% | 1.56% | 4.65% |
| Q3 2025 | 23.99% | 2.38% | 1.08% | 3.20% | 4.71% |
| Q2 2025 | 16.55% | 1.76% | 1.73% | 6.62% | 4.03% |
| Q1 2025 | 17.89% | 2.36% | 0.28% | 1.01% | 4.28% |
| Q4 2024 | 16.30% | 0.41% | 0.81% | 2.87% | 4.23% |
| Q3 2024 | 17.10% | 2.22% | 0.00% | 0.00% | 4.23% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Producers Bank & Trust (main office) | Mcgehee , AR | 71654 | $159.6M |
| Teller's Window Branch | Arkansas City , AR | 71630 | $0 |
| Teller's Window Branch | Watson , AR | 71674 | $0 |
| Highway 65 Branch | Mcgehee , AR | 71654 | $0 |
| Producers Bank & Trust Cantrell West Branch | Little Rock , AR | 72212 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in AR, rank 79 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Producers Bank & Trust
What are Producers Bank & Trust's total assets?
As of the Q2 2026 filing, Producers Bank & Trust reported total assets of $213.2 million in its FFIEC call report.
Where is Producers Bank & Trust headquartered?
It is headquartered in McGehee, AR, United States.
When was Producers Bank & Trust founded?
It was established in 1933, per the FDIC institution directory.
Is Producers Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11242). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Producers Bank & Trust?
Producers Bank & Trust's primary federal regulator is the Federal Reserve.
How many branches does Producers Bank & Trust operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Producers Bank & Trust's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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