Ash Flat, AR · Cert 1294 · FNBC Bcorp Inc.
State charter, Fed member · FED · 16 branches
Q2 2026
Market Position · Jonesboro, AR · 2026 SOD (annual) · 2.1% share · #18 of 25 inst. · $0.1B of $4.7B
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 | 0.61% | 0.68% | 0.84% | 1.08% | 1.09% | 1.09% | 1.23% | 1.30% | +22 bps | |
| Return on Equity | 9.19% | 10.29% | 12.78% | 16.10% | 15.84% | 15.60% | 16.41% | 16.80% | +69 bps | |
| Net Interest Margin | 3.20% | 3.26% | 3.65% | 3.93% | 3.88% | 3.89% | 3.96% | 4.08% | +15 bps | |
| Efficiency Ratio | 74.92% | 73.83% | 71.35% | 67.64% | 66.30% | 65.70% | 61.92% | 60.92% | -672 bps | |
| Non-Interest Burden | 2.33% | 2.32% | 2.52% | 2.50% | 2.43% | 2.41% | 2.31% | 2.33% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.65% | 0.09% | 0.72% | 1.81% | 5.20% | 5.89% | 5.02% | 3.71% | +189 bps | |
| Loan Growth (YoY) | 8.09% | 4.40% | 5.66% | 4.61% | 8.78% | 9.94% | 8.65% | 8.74% | +412 bps | |
| Deposit Growth (YoY) | 23.59% | 16.23% | 16.87% | 12.84% | 3.87% | 0.14% | -3.63% | -1.19% | -1,403 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.65% | 0.57% | 0.50% | 1.31% | 0.63% | 0.82% | 0.79% | +29 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.06% | 0.09% | 0.05% | 0.05% | 0.06% | 0.04% | 0.06% | +1 bps | |
| Allowance / Loans | 1.97% | 1.93% | 1.90% | 1.91% | 1.90% | 1.90% | 1.91% | 1.92% | +1 bps | |
| Allowance Coverage of NPLs | 4.0x | 3.0x | 3.3x | 3.8x | 1.4x | 3.0x | 2.3x | 2.4x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.09% | 8.92% | 9.14% | 9.42% | 9.36% | 9.14% | 9.48% | 9.68% | +26 bps | |
| Total Risk-Based Capital | 12.13% | 12.66% | 12.93% | 13.14% | 13.06% | 12.77% | 13.36% | 13.70% | +55 bps | |
| Equity / Assets | 7.37% | 6.53% | 6.69% | 6.90% | 7.47% | 7.45% | 7.58% | 8.14% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.71% | 78.34% | 78.13% | 79.28% | 82.43% | 86.01% | 88.09% | 87.24% | +797 bps | |
| Liquid Assets / Assets | 0.61% | 1.30% | 0.59% | 0.55% | 0.70% | 1.05% | 0.90% | 0.69% | +13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 304% | 322% | 319% | n/a | n/a | |