Salem, AR · Cert 11243 · Smith Associated Banking Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.60% | 1.54% | 1.46% | 1.74% | 1.60% | 0 bps | |
| Return on Equity | 13.32% | 12.82% | 12.11% | 14.33% | 13.03% | -29 bps | |
| Net Interest Margin | 4.45% | 4.36% | 4.38% | 4.39% | 4.72% | +26 bps | |
| Efficiency Ratio | 53.66% | 51.18% | 58.39% | 49.95% | 53.07% | -59 bps | |
| Non-Interest Burden | 2.21% | 2.02% | 2.37% | 2.00% | 2.32% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 36.27% | 3.21% | 6.63% | 6.59% | 3.80% | -3,247 bps | |
| Loan Growth (YoY) | 44.26% | 3.58% | 3.39% | 0.37% | 0.70% | -4,355 bps | |
| Deposit Growth (YoY) | 34.22% | 2.73% | 6.48% | 6.53% | 3.36% | -3,086 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.27% | 1.91% | 2.09% | 1.90% | 1.79% | +153 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.05% | 0.06% | 0.45% | +44 bps | |
| Allowance / Loans | 1.82% | 1.91% | 1.93% | 2.00% | 2.00% | +18 bps | |
| Allowance Coverage of NPLs | 6.9x | 1.0x | 0.9x | 1.1x | 1.1x | -5.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.19% | 12.40% | 12.54% | 12.44% | 12.43% | +24 bps | |
| Total Risk-Based Capital | 12.19% | 12.40% | 12.54% | 12.44% | 12.43% | +24 bps | |
| Equity / Assets | 11.98% | 12.01% | 12.14% | 12.12% | 12.39% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.29% | 90.09% | 88.22% | 85.48% | 87.97% | -232 bps | |
| Liquid Assets / Assets | 12.10% | 12.45% | 14.79% | 16.92% | 15.40% | +330 bps | |
| CRE / Total Capital | n/a | 94.95% | 93.02% | 91.63% | n/a | n/a | |