Fordyce, AR · Cert 1028 · FBT Bancshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 0.90% | 0.62% | 1.17% | 1.10% | +24 bps | |
| Return on Equity | 16.69% | 16.57% | 10.84% | 17.72% | 16.70% | +2 bps | |
| Net Interest Margin | 3.67% | 3.72% | 3.75% | 4.17% | 3.98% | +31 bps | |
| Efficiency Ratio | 74.98% | 74.66% | 79.91% | 70.44% | 71.33% | -364 bps | |
| Non-Interest Burden | 2.58% | 2.61% | 2.84% | 2.72% | 2.64% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.82% | 1.37% | -2.47% | -0.95% | 2.91% | +209 bps | |
| Loan Growth (YoY) | 5.89% | 2.57% | 2.46% | 4.06% | 5.60% | -29 bps | |
| Deposit Growth (YoY) | 0.94% | -2.05% | -2.13% | -7.46% | -0.51% | -145 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.86% | 0.91% | 0.95% | 0.99% | 0.69% | -16 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | 0.03% | 0.35% | 0.34% | +33 bps | |
| Allowance / Loans | 1.50% | 1.49% | 1.59% | 1.47% | 1.36% | -14 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.6x | 1.7x | 1.5x | 2.0x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.83% | 9.98% | 10.13% | 10.57% | 10.39% | +56 bps | |
| Total Risk-Based Capital | 9.83% | 9.98% | 10.13% | 10.57% | 10.39% | +56 bps | |
| Equity / Assets | 5.21% | 6.16% | 6.78% | 6.44% | 6.61% | +140 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.08% | 68.43% | 70.23% | 74.14% | 71.20% | +412 bps | |
| Liquid Assets / Assets | 17.40% | 16.31% | 17.12% | 16.18% | 17.02% | -38 bps | |
| CRE / Total Capital | n/a | 181.56% | 174.63% | 189.72% | n/a | n/a | |