Lake Village, AR · Cert 15547 · Southeast Arkansas Bank Corp.
State charter, Fed member · FED · 1 affiliate bank · 2 branches (5 in holding)
Q2 2026
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 | 1.93% | 1.71% | 1.73% | 1.77% | 1.91% | 1.26% | 1.40% | 1.56% | -20 bps | |
| Return on Equity | 15.75% | 13.65% | 12.27% | 12.20% | 12.86% | 8.36% | 8.79% | 10.01% | -219 bps | |
| Net Interest Margin | 4.90% | 5.16% | 4.78% | 5.05% | 4.78% | 5.12% | 4.46% | 4.47% | -58 bps | |
| Efficiency Ratio | 47.40% | 67.08% | 51.73% | 52.62% | 50.46% | 60.56% | 59.82% | 57.54% | +492 bps | |
| Non-Interest Burden | 2.21% | 3.39% | 2.37% | 2.56% | 2.32% | 3.03% | 2.59% | 2.51% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.90% | -1.99% | -5.60% | 0.52% | -8.53% | -2.67% | -1.39% | 7.06% | +654 bps | |
| Loan Growth (YoY) | -2.04% | -8.86% | -5.43% | 2.49% | -11.28% | 2.52% | 10.13% | 6.48% | +400 bps | |
| Deposit Growth (YoY) | -9.60% | -3.19% | -5.28% | -4.47% | 1.73% | -5.71% | -2.47% | 6.39% | +1,086 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.97% | 0.53% | 0.32% | 1.42% | 1.05% | 1.79% | 1.89% | 1.00% | -41 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.05% | -0.04% | -0.03% | 0.00% | 0.17% | +23 bps | |
| Allowance / Loans | 3.23% | 5.70% | 5.48% | 4.33% | 4.56% | 6.69% | 5.98% | 4.77% | +44 bps | |
| Allowance Coverage of NPLs | 3.3x | 10.7x | 17.0x | 3.1x | 4.3x | 3.7x | 3.2x | 4.8x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.50% | 14.93% | 16.69% | 17.05% | 15.93% | 16.67% | 16.78% | 16.10% | -95 bps | |
| Total Risk-Based Capital | 20.25% | 25.40% | 24.93% | 22.88% | 24.56% | 27.39% | 24.16% | 22.30% | -58 bps | |
| Equity / Assets | 12.57% | 13.38% | 14.85% | 15.15% | 15.99% | 16.08% | 15.88% | 14.93% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.82% | 61.58% | 64.79% | 88.47% | 80.07% | 66.96% | 73.16% | 88.55% | +8 bps | |
| Liquid Assets / Assets | 3.12% | 17.64% | 16.08% | 1.79% | 2.31% | 13.86% | 9.49% | 3.74% | +195 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 64.36% | 79.40% | 97.60% | n/a | n/a | |