Pine Bluff, AR · Charter 1245
NCUA · 2 branches
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 | 0.24% | 0.81% | 0.36% | 0.86% | 2.31% | 1.78% | 0.68% | 1.16% | +30 bps | |
| Return on Equity | 1.74% | 5.53% | 2.50% | 5.62% | 14.28% | 11.37% | 4.19% | 6.81% | +119 bps | |
| Net Interest Margin | 3.98% | 4.16% | 4.65% | 5.02% | 4.96% | 4.82% | 4.97% | 5.00% | -2 bps | |
| Efficiency Ratio | 90.36% | 79.93% | 78.54% | 75.00% | 61.61% | 66.65% | 80.14% | 75.74% | +74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.52% | -2.62% | -1.50% | -5.08% | -0.89% | 5.45% | 1.14% | 2.87% | +795 bps | |
| Loan Growth (YoY) | 8.05% | 7.72% | 12.24% | 9.12% | 7.52% | 9.03% | 2.62% | -1.38% | -1,051 bps | |
| Share Growth (YoY) | 0.53% | -5.72% | -3.53% | -6.64% | -4.40% | 5.74% | 1.85% | 4.23% | +1,087 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.45% | 5.09% | 2.79% | 6.00% | 5.75% | 5.42% | 2.31% | 4.73% | -126 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 | 13.72% | 14.64% | 14.57% | 15.26% | 16.20% | 15.67% | 16.33% | 17.03% | +177 bps | |
| Net Worth / Assets | 13.72% | 14.64% | 14.57% | 15.26% | 16.20% | 15.67% | 16.33% | 17.03% | +177 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.62% | 98.90% | 96.94% | 101.00% | 103.05% | 101.98% | 97.67% | 95.56% | -544 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |