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 | |