Malvern, AR · Cert 14644 · MNB Bancshares Inc.
National charter · OCC · 15 branches
Q2 2026
Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.7% share · #20 of 42 inst. · $0.2B of $36.9B
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 | 0.61% | 0.55% | 0.70% | 0.72% | 0.72% | 0.71% | 0.79% | 0.82% | +10 bps | |
| Return on Equity | 6.54% | 5.92% | 7.71% | 8.05% | 8.04% | 7.62% | 8.57% | 8.91% | +87 bps | |
| Net Interest Margin | 2.86% | 2.83% | 2.85% | 2.86% | 2.90% | 2.95% | 2.95% | 3.07% | +21 bps | |
| Efficiency Ratio | 77.68% | 77.70% | 73.48% | 71.99% | 71.45% | 72.17% | 69.10% | 68.58% | -341 bps | |
| Non-Interest Burden | 2.12% | 2.11% | 1.99% | 1.95% | 1.95% | 2.02% | 1.92% | 2.00% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.93% | 2.24% | 5.47% | 7.17% | 9.59% | 8.77% | 7.77% | 6.33% | -84 bps | |
| Loan Growth (YoY) | 15.26% | 11.65% | 10.79% | 9.34% | 6.29% | 2.20% | 1.41% | 2.88% | -646 bps | |
| Deposit Growth (YoY) | 3.90% | 5.91% | 12.51% | 12.26% | 14.36% | 12.55% | 8.64% | 6.87% | -539 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.11% | 0.09% | 0.08% | 0.07% | 0.08% | 0.10% | 0.09% | +1 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | 0.00% | 0.04% | 0.00% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 2.03% | 2.02% | 1.96% | 1.98% | 2.00% | 2.06% | 2.03% | 2.03% | +6 bps | |
| Allowance Coverage of NPLs | 16.7x | 18.2x | 20.9x | 23.5x | 29.9x | 24.5x | 19.4x | 21.5x | -2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.91% | 9.79% | 9.77% | 9.53% | 9.55% | 9.47% | 9.48% | 9.45% | -9 bps | |
| Total Risk-Based Capital | 15.44% | 15.22% | 14.72% | 15.02% | 15.26% | 15.60% | 15.68% | 15.80% | +79 bps | |
| Equity / Assets | 9.61% | 9.09% | 9.08% | 8.77% | 9.25% | 9.34% | 9.05% | 9.32% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.98% | 65.66% | 64.39% | 63.15% | 61.33% | 59.61% | 60.11% | 60.79% | -236 bps | |
| Liquid Assets / Assets | 4.97% | 0.46% | 0.26% | 0.13% | 0.71% | 0.04% | 0.02% | 0.38% | +26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 325% | 313% | 314% | n/a | n/a | |