Lonoke, AR · Cert 15050 · Lonoke Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
30
Asset Quality
87
Profitability
50
Liquidity
82
Efficiency
66
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lonoke, AR · Cert 15050 · Lonoke Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.5% share · #27 of 42 inst. · $0.2B 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 | 0.50% | 0.60% | 0.81% | 0.97% | 1.02% | 1.04% | 1.07% | 1.12% | +15 bps | |
| Return on Equity | 5.24% | 6.28% | 8.54% | 10.19% | 10.53% | 10.69% | 10.53% | 10.93% | +74 bps | |
| Net Interest Margin | 2.65% | 2.67% | 3.08% | 3.16% | 3.25% | 3.25% | 3.45% | 3.58% | +43 bps | |
| Efficiency Ratio | 76.14% | 73.16% | 64.94% | 61.46% | 60.46% | 58.87% | 59.58% | 58.54% | -292 bps | |
| Non-Interest Burden | 1.97% | 1.90% | 1.93% | 1.86% | 1.88% | 1.83% | 1.98% | 2.02% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.25% | 8.35% | 8.88% | 9.46% | 2.81% | 6.10% | 6.31% | 4.09% | -537 bps | |
| Loan Growth (YoY) | 10.51% | 9.24% | 11.25% | 7.96% | 2.99% | 5.76% | 4.16% | 2.81% | -515 bps | |
| Deposit Growth (YoY) | 4.57% | 8.83% | 8.63% | 9.39% | 3.80% | 4.33% | 4.72% | 3.20% | -619 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.04% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.24% | 1.28% | 1.30% | 1.31% | 1.29% | 1.37% | 1.44% | 1.49% | +18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.80% | 10.46% | 10.83% | 10.73% | 10.99% | 10.73% | 10.83% | 11.24% | +51 bps | |
| Total Risk-Based Capital | 10.80% | 10.46% | 10.83% | 10.73% | 10.99% | 10.73% | 10.83% | 11.24% | +51 bps | |
| Equity / Assets | 9.53% | 9.20% | 9.67% | 9.68% | 10.16% | 10.05% | 10.23% | 10.47% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.83% | 81.98% | 83.66% | 82.43% | 83.18% | 83.10% | 83.22% | 82.13% | -31 bps | |
| Liquid Assets / Assets | 3.18% | 2.62% | 1.25% | 1.42% | 0.58% | 1.36% | 1.36% | 1.26% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 305% | 305% | 287% | n/a | n/a | |
Lonoke, AR · Cert 15050 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Lonoke Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.12%
Rank 342 of 746
Net Interest Margin
3.58%
Rank 411 of 746
Efficiency Ratio
58.54%
Rank 253 of 746
Equity / Assets
10.47%
Rank 377 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.12% | 0.72% | 1.06% | 1.45% | Beats 54% | 342 / 746 | ||
| Return on Equity | 10.67% | 6.74% | 10.51% | 13.63% | Beats 51% | 362 / 746 | ||
| Net Interest Margin | 3.58% | 3.17% | 3.68% | 4.16% | Beats 45% | 411 / 746 | ||
| Efficiency Ratio | 58.54% | 55.74% | 64.58% | 75.47% | Beats 66% | 253 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 73% | 201 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.24% | 11.55% | 13.75% | 17.60% | Beats 22% | 585 / 746 | ||
| Total Risk-Based Capital Ratio | 11.24% | 11.71% | 14.33% | 18.43% | Beats 20% | 596 / 746 | ||
| Equity / Assets | 10.47% | 8.90% | 10.51% | 13.06% | Beats 49% | 377 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.13% | 61.31% | 78.27% | 90.78% | 58th pctl | 313 / 746 | ||
| Loans / Assets | 73.23% | 53.60% | 66.97% | 76.08% | 67th pctl | 245 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||