Pine Bluff, AR · Charter 11045
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.22% | -0.83% | -0.09% | 0.12% | 0.20% | -1.15% | -0.43% | -34 bps | |
| Return on Equity | 1.34% | 0.76% | -2.75% | -0.28% | 0.39% | 0.66% | -3.80% | -1.45% | -117 bps | |
| Net Interest Margin | 4.55% | 4.65% | 5.35% | 5.47% | 5.46% | 5.12% | 4.81% | 4.75% | -72 bps | |
| Efficiency Ratio | 77.66% | 73.92% | 66.07% | 66.58% | 68.56% | 70.45% | 72.95% | 72.36% | +578 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.70% | 5.90% | 1.86% | -2.89% | -6.32% | -3.69% | -1.83% | 4.40% | +730 bps | |
| Loan Growth (YoY) | -3.13% | -2.16% | -2.67% | -0.27% | 1.16% | -5.46% | -2.38% | 0.40% | +67 bps | |
| Share Growth (YoY) | 7.71% | 8.06% | 2.54% | -3.36% | -8.00% | -3.65% | -2.59% | 6.67% | +1,003 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 1.31% | 2.08% | 2.23% | 1.22% | 0.81% | 0.10% | 0.20% | -203 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.82% | 29.34% | 30.24% | 30.87% | 31.54% | 30.36% | 30.27% | 29.30% | -157 bps | |
| Net Worth / Assets | 29.82% | 29.34% | 30.24% | 30.87% | 31.54% | 30.36% | 30.27% | 29.30% | -157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.11% | 95.61% | 96.55% | 100.09% | 100.19% | 93.80% | 96.75% | 94.20% | -589 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |