Pine Bluff, AR · Charter 12601
NCUA · 3 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 | 1.49% | 1.34% | 1.40% | 1.32% | 1.33% | 1.25% | 1.35% | 1.14% | -18 bps | |
| Return on Equity | 6.56% | 5.81% | 6.04% | 5.62% | 5.60% | 5.24% | 5.58% | 4.65% | -97 bps | |
| Net Interest Margin | 4.22% | 4.33% | 4.29% | 4.33% | 4.33% | 4.29% | 4.06% | 4.05% | -28 bps | |
| Efficiency Ratio | 63.15% | 65.35% | 66.45% | 66.95% | 66.18% | 67.67% | 73.92% | 73.31% | +636 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.81% | 7.71% | 0.01% | 0.49% | 0.06% | 1.60% | 0.35% | 0.08% | -41 bps | |
| Loan Growth (YoY) | 9.33% | 7.14% | -0.87% | -8.11% | -4.77% | -5.13% | -4.67% | -3.06% | +505 bps | |
| Share Growth (YoY) | 8.01% | 8.18% | -1.70% | -0.86% | -1.52% | 0.42% | -1.18% | -1.46% | -61 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.42% | 2.44% | 2.12% | 2.36% | 2.26% | 2.51% | 1.36% | 1.49% | -87 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 | 22.67% | 23.15% | 23.14% | 23.47% | 23.78% | 23.96% | 24.22% | 24.54% | +107 bps | |
| Net Worth / Assets | 22.67% | 23.15% | 23.14% | 23.47% | 23.78% | 23.96% | 24.22% | 24.54% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.84% | 68.82% | 65.27% | 63.92% | 65.60% | 65.02% | 62.96% | 62.88% | -104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |