Partners Bank
Helena, AR · Cert 15729 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Helena Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$417.1MAssets
$369.2MLoans
$354.0MDeposits
$55.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 79% of banks under $1B in assets operating in a single state (rank 162 of 755).
- Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets operating in a single state (rank 686 of 751).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.02%
Rank 401 of 755
Net Interest Margin
4.26%
Rank 162 of 755
Efficiency Ratio
65.43%
Rank 389 of 755
Equity / Assets
13.25%
Rank 184 of 755
Non-interest income vs. expense
Unfavorable gap of $11.0M · efficiency ratio beats 49% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.72% | 1.06% | 1.45% | Beats 47% | 401 / 755 | |
| Return on Equity | 7.72% | 6.66% | 10.44% | 13.61% | Beats 33% | 509 / 755 | |
| Net Interest Margin | 4.26% | 3.15% | 3.68% | 4.17% | Beats 79% | 162 / 755 | |
| Efficiency Ratio | 65.43% | 55.75% | 64.78% | 75.61% | Beats 49% | 389 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.93% | 0.09% | 0.42% | 1.05% | Beats 29% | 533 / 751 | |
| Net Charge-Offs / Loans | 0.19% | 0.00% | 0.01% | 0.05% | Beats 9% | 686 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 15.70% | 11.56% | 13.81% | 17.74% | Beats 66% | 253 / 755 | |
| Total Risk-Based Capital Ratio | 16.96% | 11.72% | 14.46% | 18.53% | Beats 69% | 236 / 755 | |
| Equity / Assets | 13.25% | 8.93% | 10.56% | 13.13% | Beats 76% | 184 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 104.29% | 62.43% | 78.62% | 91.00% | 94th pctl | 49 / 755 | |
| Loans / Assets | 88.53% | 54.70% | 67.27% | 76.55% | 98th pctl | 12 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |