Salem, AR · Cert 11243 · Smith Associated Banking Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
46
Asset Quality
13
Profitability
83
Liquidity
56
Efficiency
83
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Salem, AR · Cert 11243 · Smith Associated Banking Corp.
State charter, Fed member · FED · 4 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.86% | 1.73% | 1.61% | 1.61% | 1.58% | 1.55% | 1.74% | 1.67% | +7 bps | |
| Return on Equity | 16.49% | 15.13% | 13.42% | 13.38% | 13.18% | 12.91% | 14.33% | 13.68% | +30 bps | |
| Net Interest Margin | 5.04% | 4.17% | 4.23% | 4.31% | 4.33% | 4.26% | 4.39% | 4.56% | +25 bps | |
| Efficiency Ratio | 57.22% | 58.56% | 54.40% | 54.02% | 53.07% | 54.44% | 49.95% | 51.56% | -246 bps | |
| Non-Interest Burden | 2.64% | 2.25% | 2.09% | 2.13% | 2.10% | 2.13% | 2.00% | 2.16% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 39.00% | 36.71% | 36.89% | 36.27% | 3.21% | 6.63% | 6.59% | 3.80% | -3,247 bps | |
| Loan Growth (YoY) | 50.52% | 47.71% | 48.82% | 44.26% | 3.58% | 3.39% | 0.37% | 0.70% | -4,355 bps | |
| Deposit Growth (YoY) | 36.95% | 34.83% | 35.23% | 34.22% | 2.73% | 6.48% | 6.53% | 3.36% | -3,086 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.10% | 0.18% | 0.27% | 1.91% | 2.09% | 1.90% | 1.79% | +153 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.00% | -0.01% | 0.00% | 0.00% | 0.01% | 0.06% | 0.26% | +26 bps | |
| Allowance / Loans | 1.75% | 1.75% | 1.76% | 1.82% | 1.91% | 1.93% | 2.00% | 2.00% | +18 bps | |
| Allowance Coverage of NPLs | 8.7x | 17.1x | 9.5x | 6.9x | 1.0x | 0.9x | 1.1x | 1.1x | -5.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.40% | 12.24% | 12.43% | 12.19% | 12.40% | 12.54% | 12.44% | 12.43% | +24 bps | |
| Total Risk-Based Capital | 14.40% | 12.24% | 12.43% | 12.19% | 12.40% | 12.54% | 12.44% | 12.43% | +24 bps | |
| Equity / Assets | 11.57% | 11.99% | 12.02% | 11.98% | 12.01% | 12.14% | 12.12% | 12.39% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.34% | 90.85% | 90.72% | 90.29% | 90.09% | 88.22% | 85.48% | 87.97% | -232 bps | |
| Liquid Assets / Assets | 10.63% | 9.72% | 10.95% | 12.10% | 12.45% | 14.79% | 16.92% | 15.40% | +330 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 94.95% | 93.02% | 91.63% | n/a | n/a | |
Salem, AR · Cert 11243 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Smith Associated Banking Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets
1.69%
Rank 113 of 746
Net Interest Margin
4.56%
Rank 81 of 746
Efficiency Ratio
51.56%
Rank 130 of 746
Equity / Assets
12.39%
Rank 220 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.69% | 0.72% | 1.06% | 1.45% | Beats 85% | 113 / 746 | ||
| Return on Equity | 13.63% | 6.74% | 10.51% | 13.63% | Beats 75% | 187 / 746 | ||
| Net Interest Margin | 4.56% | 3.17% | 3.68% | 4.16% | Beats 89% | 81 / 746 | ||
| Efficiency Ratio | 51.56% | 55.74% | 64.58% | 75.47% | Beats 83% | 130 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.79% | 0.09% | 0.42% | 1.07% | Beats 13% | 644 / 743 | ||
| Net Charge-Offs / Loans | 0.13% | 0.00% | 0.01% | 0.05% | Beats 12% | 658 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.43% | 11.55% | 13.75% | 17.60% | Beats 36% | 481 / 746 | ||
| Total Risk-Based Capital Ratio | 12.43% | 11.71% | 14.33% | 18.43% | Beats 32% | 509 / 746 | ||
| Equity / Assets | 12.39% | 8.90% | 10.51% | 13.06% | Beats 71% | 220 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.97% | 61.31% | 78.27% | 90.78% | 70th pctl | 225 / 746 | ||
| Loans / Assets | 76.58% | 53.60% | 66.97% | 76.08% | 77th pctl | 174 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||