Greenwood, AR · Cert 1296 · Wilkinson Banking Corp.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Fort Smith, AR-OK · 2026 SOD (annual) · 3.9% share · #8 of 20 inst. · $0.2B of $6.0B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.00% | 0.93% | 0.80% | 1.02% | 1.16% | +16 bps | |
| Return on Equity | 7.88% | 7.23% | 6.13% | 7.51% | 8.48% | +60 bps | |
| Net Interest Margin | 3.29% | 3.34% | 3.37% | 3.66% | 3.73% | +44 bps | |
| Efficiency Ratio | 72.82% | 74.70% | 76.08% | 73.51% | 70.70% | -212 bps | |
| Non-Interest Burden | 2.14% | 2.25% | 2.33% | 2.45% | 2.37% | +23 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.18% | 0.20% | 3.68% | 1.53% | 0.42% | -77 bps | |
| Loan Growth (YoY) | -0.39% | 3.28% | 4.69% | 6.40% | 5.01% | +540 bps | |
| Deposit Growth (YoY) | 0.72% | -0.32% | 2.57% | 0.45% | -0.96% | -167 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.34% | 0.37% | 0.44% | 0.66% | 0.20% | -15 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.04% | 0.01% | 0.01% | -3 bps | |
| Allowance / Loans | 0.79% | 0.76% | 0.75% | 0.74% | 0.73% | -6 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.0x | 1.7x | 1.1x | 3.7x | +1.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.96% | 16.13% | 16.15% | 15.80% | 16.23% | +27 bps | |
| Total Risk-Based Capital | 15.96% | 16.13% | 16.15% | 15.80% | 16.23% | +27 bps | |
| Equity / Assets | 12.59% | 13.68% | 13.72% | 13.55% | 13.74% | +115 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.71% | 66.67% | 66.07% | 66.79% | 66.48% | +378 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | 96.32% | 96.76% | 96.57% | n/a | n/a | |