# PETIT JEAN STATE BANK
MORRILTON, AR · FDIC certificate 35084 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $260.0M | |
| Deposits | $210.5M | |
| Loans and leases | $143.8M | |
| Total equity | $44.1M | |
| Loans / deposits | 67.03% (p40 of band) | 73.59% |
| Liquid assets / assets | 41.08% (p65 of band) | |
| Uninsured deposits / deposits | 17.15% (p40 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.27% (p55 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.93% (p85 of band) | 11.76% |
| Unrealized securities loss / equity | -12.74% (p34 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.97% (p85 of band) | 1.17% |
| Net interest margin | 4.14% (p61 of band) | 3.93% |
| Efficiency ratio | 39.95% (p3 of band) | |
| Noncurrent loans | 0.63% (p60 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | 298.67% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 46.70% (p78 of band) | |
| Auto loans | $1.6M (1.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 30 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | charge-offs p90 |  |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 1 |  | charge-offs p90 |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | capital falling, charge-offs p90 |  |
| 2016-03 | 0 |  | capital falling, charge-offs p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, charge-offs p90 |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 0 |  | charge-offs p90 |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | securities losses >30% of equity |  |
| 2023-12 | 1 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-11 [Arkansas Hasn’t Seen a New De Novo Bank in Over Two Decades - Arkansas Business](https://news.google.com/rss/articles/CBMikAFBVV95cUxQTVVyeUxuN1BmdDM1cjBZbUVGTnc3UlppY25sWENQSV9qdloyaDZ5c3lWU0VvSUJiT2ZoRjh2c2doalRRa3VJNWhhRDczWW1LaTNVWDg2YXBoOW16SUI0cGU1RnI0ejAtQjdHcmtfb195MlN0VXdOTWx6S1lJcXZSQmtGNGJ4VUtUTFRhNTcxaEI?oc=5) · Arkansas Business
- 2024-02-16 [Petit Jean State Bank celebrates 25 years giving Morrilton a locally owned financial institution - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMingFBVV95cUxPY3lqaVJOenVvX29YTEdpZjNiME9XN09xYXZYNEZFSVJNT0VEUXp3NlZ4aWt1WFNqQS1KR0F3Z1VrdDlUVzZfRnJrdGdKblJ2T3JmWS1mZjhkSl9mZlRhZGtMckstWW9qbHFQTDJtcVRZQ0VOWFN0VkVlZUFfQ01HWllncU5xbUZJUU43dm1PXzFBMDNPaGxoS24wbk1Ydw?oc=5) · The Arkansas Democrat-Gazette
- 2025-09-12 [2025 AMP Women in Banking - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiaEFVX3lxTE81Sm13alpKZWpKWWFwNEpEdWtIVDZqYUxLQ2hNb2VVWDFUWDdiVUlxZUxLaTlrNHZEOHJucHlxMDlhX3F1ZjBTbW4weG4xdWpXSFd2NTJCNHlSXzJhM0dSV1RLNUZkN3Az?oc=5) · Arkansas Money &amp; Politics
- 2016-08-02 [Multi-state serial robber caught in Georgia - 11Alive.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPNzk4RnNqTnJRYVEydkkxcEhha2ItLVd2T3JXWG5yQXVRSjZKWHpzR3NWaGtiV2FLUFZmSjRHUXdOc0xKQkczYm04c19yd2ZKbzE4YUVOTWNZd2d3Zng1YkZrTjY5ZGt0S3Ezc2JTNWgtRGpSbnJyZXRjQVRhQWljSVlyQ2l4N1p4SEVZWjUySm9PZzdhS1NBQzNQaGlQc3cx?oc=5) · 11Alive.com
- 2024-03-17 [IT TAKES A LIFETIME: Banker Penick grew up in business with his dad - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMimwFBVV95cUxPZTU1RWlGX0pOV2VCZnoxOW05b1U0U204WkdhV1RjV1RzaWJMb0VDX3hZd3R4RzB1b0JMclIyRU5ybnZHaXlhZHpEWHVmM0VWNU1qSFVvMnVaUFRRczBkNFpFcDFXdVM1UTBfaUk2QVBrcnZjaXhPWkRyZmVnUjdHLVA0N3pCSlRjUHZpbE4xemNPckExblRSbWJRdw?oc=5) · The Arkansas Democrat-Gazette
- 2016-08-01 ['Flip-flop bandit' linked to robberies in Arkansas, other states arrested, FBI says - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMimgFBVV95cUxNNkkxd3R1YXFVejBoYjhBTlBuQjVSY0RhR0hfQmI1OFdGM2lHMnhwTE1fSVJFYUhUeVJiZnBRcWxfQnhQeGZYRHhuWVY3YWtJWDllN09wNUhsYVI3YjNidHA5TE9jdl9qVk15Zkw3ZWNBY21xU004bmZjVFQxRE4wUTA0RG5tZ2ZldVp0NGJJeVcwZmpzLWQ0bkpn?oc=5) · Northwest Arkansas Democrat-Gazette
- 2026-05-11 [Peoples Bank of Sheridan Celebrates 25 Years as De Novo Bank - Arkansas Business](https://news.google.com/rss/articles/CBMipgFBVV95cUxNdm1vYU1MT1JoWTFzNm13NVV4dFBVcmRqNFhTam43aHpPM21zenhBTUVIRlVEOGlBc0xhUDZmaXdOUUJLVXB1dTZJM1NuOHVmb1VRdHoyM1BDVV85WmgyWncxMTNfWGtwaWFnVGVpY21FUFhOYzI4OVBRdTJUekFzOFRKTVNVSVVfd0RsMjhKY0pzcUVDZ3RQeF93U3BGclpLVmhDaXNR?oc=5) · Arkansas Business
- 2016-05-22 [Bettye Jean Henderson - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiigFBVV95cUxObF84Q3dlQnhOd2paTS1OTzZDVG1XUTVsWmt2OW1ONHhDQXBUc2lyVm5idlNDVlVzMVhPNGJCcDhVdHhqUkdsNFgzRldGaVgyd1djdERMbUpFbGZEVXptS3Y4SE1Gb3NQa2lqQVJpVTNRRXFZWi1wc0p5UkdIVS1adHloN1Y5ankzd0E?oc=5) · The Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35084 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/12.json (key "35084", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide