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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
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 | 0.78% | 0.69% | 0.92% | 1.07% | 0.80% | 0.41% | 1.02% | 1.30% | +22 bps | |
| Return on Equity | 6.12% | 5.32% | 7.25% | 8.50% | 6.09% | 3.02% | 7.51% | 9.50% | +99 bps | |
| Net Interest Margin | 3.11% | 3.22% | 3.26% | 3.35% | 3.47% | 3.51% | 3.66% | 3.78% | +44 bps | |
| Efficiency Ratio | 78.77% | 84.90% | 74.95% | 70.81% | 78.22% | 80.05% | 73.51% | 67.98% | -283 bps | |
| Non-Interest Burden | 2.23% | 2.58% | 2.22% | 2.08% | 2.48% | 2.62% | 2.45% | 2.27% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.07% | 0.22% | -0.50% | 1.18% | 0.20% | 3.68% | 1.53% | 0.42% | -77 bps | |
| Loan Growth (YoY) | -1.89% | -2.23% | -2.22% | -0.39% | 3.28% | 4.69% | 6.40% | 5.01% | +540 bps | |
| Deposit Growth (YoY) | -0.08% | -0.34% | -1.57% | 0.72% | -0.32% | 2.57% | 0.45% | -0.96% | -167 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.17% | 0.19% | 0.34% | 0.37% | 0.44% | 0.66% | 0.20% | -15 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.02% | 0.06% | 0.04% | 0.03% | 0.01% | 0.01% | -4 bps | |
| Allowance / Loans | 0.83% | 0.82% | 0.82% | 0.79% | 0.76% | 0.75% | 0.74% | 0.73% | -6 bps | |
| Allowance Coverage of NPLs | 9.3x | 4.8x | 4.3x | 2.3x | 2.0x | 1.7x | 1.1x | 3.7x | +1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.97% | 16.16% | 15.84% | 15.96% | 16.13% | 16.15% | 15.80% | 16.23% | +27 bps | |
| Total Risk-Based Capital | 15.97% | 16.16% | 15.84% | 15.96% | 16.13% | 16.15% | 15.80% | 16.23% | +27 bps | |
| Equity / Assets | 13.22% | 12.77% | 12.67% | 12.59% | 13.68% | 13.72% | 13.55% | 13.74% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.34% | 64.74% | 63.06% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 96.32% | 96.76% | 96.57% | n/a | n/a | |