PBNB has also profited from its geography, Morgan said.
PBNB has five branches in Pine Bluff and one each in Star City, Redfield and White Hall.
In 1991, PBNB acquired at auction nearly $50 million in deposits from Home Savings Association, a Kansas City S&L that had assumed most of the operations of Pine Bluff's spectacular S&L failure, FirstSouth.
PBNB has found a loyal customer base in farmers, who tend to prefer community banks for their lower lender turnover, Pittillo said.
And as Bank of America was in the process of downsizing its Pine Bluff operations in 1997, PBNB hired the entire trust department.
Last year, PBNB made $60 million in agri loans, a sizable portion of the bank's total loan portfolio of $185 million.
For years, the banking community in Pine Bluff had little competition--just Simmons First National Bank, PBNB and what's now Bank of America--but that is in the process of changing.