Murfreesboro, AR · Cert 1527 · Bainum Bcorp
State charter, Fed member · FED · 14 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 regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
52
Profitability
44
Liquidity
72
Efficiency
71
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.
Murfreesboro, AR · Cert 1527 · Bainum Bcorp
State charter, Fed member · FED · 14 branches
Q2 2026
Market Position · Hot Springs, AR · 2026 SOD (annual) · 4.3% share · #9 of 14 inst. · $0.1B of $3.1B
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 | 0.65% | 0.69% | 0.87% | 0.99% | 1.03% | 1.08% | 0.91% | 1.12% | +13 bps | |
| Return on Equity | 8.21% | 8.73% | 11.04% | 12.51% | 12.90% | 13.31% | 10.58% | 12.89% | +38 bps | |
| Net Interest Margin | 2.67% | 2.67% | 2.95% | 3.04% | 3.07% | 3.10% | 3.43% | 3.46% | +42 bps | |
| Efficiency Ratio | 74.54% | 73.23% | 67.42% | 64.38% | 63.27% | 62.17% | 58.58% | 57.69% | -670 bps | |
| Non-Interest Burden | 1.86% | 1.81% | 1.82% | 1.78% | 1.76% | 1.74% | 1.80% | 1.78% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.91% | 3.77% | 4.15% | 8.43% | 9.52% | 11.45% | 9.52% | 7.64% | -79 bps | |
| Loan Growth (YoY) | 6.28% | 6.75% | 7.75% | 10.63% | 11.31% | 11.41% | 8.94% | 7.43% | -321 bps | |
| Deposit Growth (YoY) | 2.19% | 1.38% | 4.39% | 7.33% | 8.81% | 9.57% | 7.64% | 6.97% | -35 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.30% | 0.43% | 0.44% | 0.51% | 0.33% | 0.58% | 0.58% | +14 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | 0.03% | 0.03% | 0.04% | 0.04% | 0.02% | 0.01% | -2 bps | |
| Allowance / Loans | 1.12% | 1.10% | 1.09% | 1.07% | 1.05% | 1.03% | 1.06% | 1.08% | +1 bps | |
| Allowance Coverage of NPLs | 4.8x | 3.6x | 2.5x | 2.4x | 2.0x | 3.2x | 1.8x | 1.9x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.01% | 10.00% | 9.98% | 9.97% | 9.98% | 10.01% | 9.99% | 9.99% | +1 bps | |
| Total Risk-Based Capital | 15.35% | 15.18% | 15.06% | 15.00% | 15.31% | 15.63% | 15.79% | 15.56% | +56 bps | |
| Equity / Assets | 8.28% | 7.93% | 7.79% | 7.92% | 8.33% | 8.70% | 8.54% | 8.73% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.03% | 88.45% | 87.53% | 89.17% | 89.03% | 89.93% | 88.59% | 89.55% | +38 bps | |
| Liquid Assets / Assets | 0.77% | 0.03% | 1.05% | 0.88% | 0.95% | 0.28% | 1.46% | 0.06% | -82 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 261% | 252% | 244% | n/a | n/a | |
Murfreesboro, AR · Cert 1527 · Peer group: banks under $1B in assets operating regionally (n=94) · Bainum Bcorp
State charter, Fed member · FED · 14 branches
Q2 2026
Return on Assets
1.10%
Rank 53 of 94
Net Interest Margin
3.46%
Rank 70 of 94
Efficiency Ratio
57.69%
Rank 28 of 94
Equity / Assets
8.73%
Rank 76 of 94
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.10% | 0.82% | 1.19% | 1.46% | Beats 44% | 53 / 94 | ||
| Return on Equity | 12.62% | 7.85% | 11.84% | 14.03% | Beats 61% | 37 / 94 | ||
| Net Interest Margin | 3.46% | 3.42% | 3.81% | 4.18% | Beats 26% | 70 / 94 | ||
| Efficiency Ratio | 57.69% | 55.99% | 62.41% | 73.02% | Beats 71% | 28 / 94 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.58% | 0.19% | 0.47% | 1.14% | Beats 45% | 53 / 94 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.05% | Beats 59% | 40 / 94 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.34% | 10.28% | 11.95% | 15.07% | Beats 68% | 30 / 94 | ||
| Total Risk-Based Capital Ratio | 15.56% | 10.31% | 12.59% | 15.88% | Beats 69% | 29 / 94 | ||
| Equity / Assets | 8.73% | 8.98% | 10.21% | 11.41% | Beats 19% | 76 / 94 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.55% | 72.62% | 84.44% | 94.55% | 69th pctl | 29 / 94 | ||
| Loans / Assets | 78.43% | 62.50% | 72.84% | 78.99% | 71st pctl | 27 / 94 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||