First National Bank of Izard County
Calico Rock, AR · Cert 11252 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Wyatt Bancshares Inc.
National charter · OCC · 5 branches
Q2 2026
$234.8MAssets
$116.6MLoans
$160.0MDeposits
$71.3MEquity
Executive Summary
- Strongest standing: return on assets outperforms 98% of banks under $1B in assets operating in a single state (rank 12 of 746).
- Widest gap: nonperforming loans / loans trails 89% of banks under $1B in assets operating in a single state (rank 663 of 743).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.89%
Rank 12 of 746
Net Interest Margin
4.44%
Rank 111 of 746
Efficiency Ratio
41.00%
Rank 27 of 746
Equity / Assets
30.37%
Rank 15 of 746
Non-interest income vs. expense
Unfavorable gap of $2.9M · efficiency ratio beats 97% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.89% | 0.72% | 1.06% | 1.45% | Beats 98% | 12 / 746 | |
| Return on Equity | 9.51% | 6.74% | 10.51% | 13.63% | Beats 43% | 423 / 746 | |
| Net Interest Margin | 4.44% | 3.17% | 3.68% | 4.16% | Beats 85% | 111 / 746 | |
| Efficiency Ratio | 41.00% | 55.74% | 64.58% | 75.47% | Beats 97% | 27 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.09% | 0.09% | 0.42% | 1.07% | Beats 11% | 663 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 59% | 304 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 31.14% | 11.55% | 13.75% | 17.60% | Beats 95% | 36 / 746 | |
| Total Risk-Based Capital Ratio | 31.14% | 11.71% | 14.33% | 18.43% | Beats 95% | 38 / 746 | |
| Equity / Assets | 30.37% | 8.90% | 10.51% | 13.06% | Beats 98% | 15 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 72.87% | 61.31% | 78.27% | 90.78% | 40th pctl | 448 / 746 | |
| Loans / Assets | 49.68% | 53.60% | 66.97% | 76.08% | 21st pctl | 592 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |