England, AR · Cert 13303 · MHBC Investments Partnership I LLLP
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.7% share · #19 of 42 inst. · $0.3B of $36.9B
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 | -0.76% | -0.18% | -1.02% | -0.88% | -0.39% | -0.25% | 0.41% | 0.35% | +123 bps | |
| Return on Equity | -4.71% | -1.08% | -5.60% | -4.75% | -2.08% | -1.33% | 2.08% | 1.79% | +654 bps | |
| Net Interest Margin | 3.11% | 3.08% | 2.88% | 3.15% | 3.24% | 3.19% | 3.07% | 3.15% | 0 bps | |
| Efficiency Ratio | 102.86% | 99.35% | 117.70% | 117.33% | 108.93% | 107.39% | 94.40% | 93.40% | -2,393 bps | |
| Non-Interest Burden | 3.60% | 2.95% | 4.14% | 4.39% | 3.88% | 3.70% | 2.73% | 2.75% | -163 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.86% | -9.64% | -16.35% | -14.66% | -16.10% | -11.90% | -5.39% | -1.05% | +1,360 bps | |
| Loan Growth (YoY) | -32.76% | -49.13% | -49.22% | -47.78% | -32.60% | -12.05% | -16.41% | -5.80% | +4,198 bps | |
| Deposit Growth (YoY) | -5.74% | -7.48% | -16.85% | -13.31% | -14.59% | -11.68% | -3.20% | -0.32% | +1,299 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.86% | 3.14% | 3.39% | 3.30% | 3.30% | 3.52% | 3.79% | 4.26% | +95 bps | |
| Net Charge-Offs / Loans | 2.19% | 2.41% | 0.03% | 0.02% | 0.03% | 0.02% | 0.00% | -0.01% | -3 bps | |
| Allowance / Loans | 2.09% | 3.03% | 3.19% | 3.29% | 3.02% | 3.19% | 3.25% | 3.13% | -16 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.0x | 0.9x | 1.0x | 0.9x | 0.9x | 0.9x | 0.7x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.83% | 17.23% | 17.99% | 19.08% | 19.63% | 19.60% | 20.16% | 19.91% | +83 bps | |
| Total Risk-Based Capital | 16.82% | 23.12% | 24.42% | 24.11% | 24.36% | 25.12% | 25.70% | 25.76% | +165 bps | |
| Equity / Assets | 16.02% | 17.66% | 18.76% | 19.23% | 19.31% | 19.96% | 19.79% | 19.57% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.15% | 40.19% | 42.82% | 41.04% | 41.94% | 40.02% | 36.97% | 38.78% | -226 bps | |
| Liquid Assets / Assets | 28.60% | 35.26% | 20.79% | 19.45% | 20.05% | 22.88% | 23.53% | 15.92% | -353 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 48.83% | 47.71% | 39.60% | n/a | n/a | |