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 (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 | 0.58% | 0.85% | 0.81% | 1.14% | 1.12% | 1.12% | 1.07% | 1.17% | +4 bps | |
| Return on Equity | 6.00% | 9.11% | 8.54% | 11.77% | 11.26% | 11.04% | 10.53% | 11.35% | -42 bps | |
| Net Interest Margin | 2.76% | 3.03% | 3.08% | 3.34% | 3.45% | 3.59% | 3.45% | 3.68% | +33 bps | |
| Efficiency Ratio | 71.63% | 65.55% | 64.94% | 58.36% | 58.64% | 54.65% | 59.58% | 57.55% | -81 bps | |
| Non-Interest Burden | 1.91% | 1.91% | 1.93% | 1.86% | 1.94% | 1.87% | 1.98% | 2.03% | +17 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 | 0.18% | 0.01% | -0.01% | -0.01% | 0.00% | 0.00% | -0.01% | 0.00% | +1 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 | |