Magnolia, AR · Cert 12531 · Golden Oaks Bancshares Inc.
State charter, non-member · FDIC · 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
82
Asset Quality
7
Profitability
71
Liquidity
0
Efficiency
31
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.
Magnolia, AR · Cert 12531 · Golden Oaks Bancshares Inc.
State charter, non-member · FDIC · 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 | 0.74% | 0.79% | 1.53% | 1.61% | 1.56% | 1.61% | 1.37% | 1.39% | -23 bps | |
| Return on Equity | 6.24% | 6.54% | 11.77% | 12.22% | 11.59% | 11.87% | 9.74% | 9.85% | -238 bps | |
| Net Interest Margin | 4.80% | 4.92% | 4.84% | 5.03% | 5.18% | 5.24% | 5.13% | 5.12% | +10 bps | |
| Efficiency Ratio | 67.76% | 66.99% | 59.43% | 63.32% | 64.06% | 64.70% | 70.64% | 70.89% | +757 bps | |
| Non-Interest Burden | 3.01% | 3.02% | 2.15% | 2.69% | 2.88% | 2.98% | 3.36% | 3.37% | +68 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.65% | -7.80% | -7.31% | -8.04% | -8.96% | -6.17% | -4.53% | -1.99% | +605 bps | |
| Loan Growth (YoY) | -12.99% | -10.64% | -10.70% | -3.09% | -2.89% | -2.73% | 1.39% | -4.03% | -94 bps | |
| Deposit Growth (YoY) | -9.68% | -9.24% | -5.79% | -7.16% | -8.93% | -4.90% | -6.03% | -1.97% | +519 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.33% | 2.43% | 2.36% | 2.14% | 1.93% | 2.26% | 2.27% | 2.23% | +10 bps | |
| Net Charge-Offs / Loans | 1.04% | 1.10% | 1.01% | 0.70% | 0.67% | 0.52% | 0.20% | 0.28% | -42 bps | |
| Allowance / Loans | 2.16% | 2.17% | 2.23% | 1.93% | 1.89% | 1.85% | 1.79% | 1.69% | -24 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 0.9x | 0.9x | 1.0x | 0.8x | 0.8x | 0.8x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.51% | 12.17% | 12.55% | 12.93% | 13.46% | 13.31% | 13.81% | 13.59% | +66 bps | |
| Total Risk-Based Capital | 19.35% | 20.25% | 21.01% | 20.36% | 21.00% | 20.67% | 21.02% | 21.00% | +64 bps | |
| Equity / Assets | 12.17% | 12.87% | 13.10% | 13.65% | 14.11% | 13.95% | 14.14% | 14.12% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.89% | 110.48% | 103.05% | 113.44% | 113.98% | 113.00% | 111.18% | 111.06% | -239 bps | |
| Liquid Assets / Assets | 6.56% | 6.73% | 7.48% | 5.23% | 3.48% | 2.56% | 2.28% | 2.16% | -307 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 111.68% | 109.07% | 117.53% | n/a | n/a | |
Magnolia, AR · Cert 12531 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Golden Oaks Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.39%
Rank 214 of 746
Net Interest Margin
5.12%
Rank 22 of 746
Efficiency Ratio
72.48%
Rank 516 of 746
Equity / Assets
14.12%
Rank 137 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.39% | 0.72% | 1.06% | 1.45% | Beats 71% | 214 / 746 | ||
| Return on Equity | 9.81% | 6.74% | 10.51% | 13.63% | Beats 45% | 409 / 746 | ||
| Net Interest Margin | 5.12% | 3.17% | 3.68% | 4.16% | Beats 97% | 22 / 746 | ||
| Efficiency Ratio | 72.48% | 55.74% | 64.58% | 75.47% | Beats 31% | 516 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.23% | 0.09% | 0.42% | 1.07% | Beats 10% | 669 / 743 | ||
| Net Charge-Offs / Loans | 0.44% | 0.00% | 0.01% | 0.05% | Beats 3% | 720 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.74% | 11.55% | 13.75% | 17.60% | Beats 82% | 133 / 746 | ||
| Total Risk-Based Capital Ratio | 21.00% | 11.71% | 14.33% | 18.43% | Beats 83% | 128 / 746 | ||
| Equity / Assets | 14.12% | 8.90% | 10.51% | 13.06% | Beats 82% | 137 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 111.06% | 61.31% | 78.27% | 90.78% | 97th pctl | 21 / 746 | ||
| Loans / Assets | 77.54% | 53.60% | 66.97% | 76.08% | 79th pctl | 157 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||