Producers Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 65.57 percentage points in Q2 2026, from 233.98% to 299.55%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Producers Bank & Trust is 28th of 78 on return on assets, 1.51% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Producers Bank & Trust sits 0.26 points higher, at 1.51% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 22.09% |
| Equity capital to assets | 21.92% |
| Tangible equity to tangible assets | 21.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.57% |
| Non-performing assets ratio | 0.42% |
| Net charge-off ratio | 0.76% |
| Texas ratio | 1.79% |
| Allowance for credit losses to loans | 1.71% |
| Reserve coverage of non-performing loans | 299.55% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.51% |
| Return on equity | 6.88% |
| Net interest margin | 4.06% |
| Efficiency ratio | 57.35% |
| Yield on earning assets | 5.98% |
| Cost of funds | 2.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.34% |
| Core deposits to total deposits | 73.85% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 74.86% |
| Securities to assets | 20.49% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 18.15% | 8.03% | 4.16% | 0.81% | -0.01% |
| Q4 2023 | 16.65% | 0.50% | 4.31% | 0.90% | -0.83% |
| Q1 2024 | 17.48% | 2.32% | 4.02% | 0.94% | 0.00% |
| Q2 2024 | 17.83% | 2.51% | 4.19% | 0.83% | 1.27% |
| Q3 2024 | 17.10% | 2.22% | 4.23% | 0.71% | -0.07% |
| Q4 2024 | 16.30% | 0.41% | 4.23% | 1.61% | 0.00% |
| Q1 2025 | 17.89% | 2.36% | 4.28% | 0.78% | 3.43% |
| Q2 2025 | 16.55% | 1.76% | 4.03% | 2.18% | -0.23% |
| Q3 2025 | 23.99% | 2.38% | 4.71% | 1.69% | 0.01% |
| Q4 2025 | 22.52% | 1.39% | 4.65% | 1.19% | 0.32% |
| Q1 2026 | 23.42% | 2.21% | 4.23% | 0.84% | 0.59% |
| Q2 2026 | 22.09% | 1.51% | 4.06% | 0.57% | 0.76% |
Producers Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Producers Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Producers Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11242) · FFIEC NIC profile (RSSD 897648)