Partners Bank
Helena, AR · Cert 15729 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 157 of 746).
- Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets operating in a single state (rank 680 of 743).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.02%
Rank 396 of 746
Net Interest Margin
4.26%
Rank 157 of 746
Efficiency Ratio
65.43%
Rank 388 of 746
Equity / Assets
13.25%
Rank 175 of 746
Non-interest income vs. expense
Unfavorable gap of $11.0M · efficiency ratio beats 48% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.72% | 1.06% | 1.45% | Beats 47% | 396 / 746 | | |
| Return on Equity | 7.72% | 6.74% | 10.51% | 13.63% | Beats 32% | 510 / 746 | | |
| Net Interest Margin | 4.26% | 3.17% | 3.68% | 4.16% | Beats 79% | 157 / 746 | | |
| Efficiency Ratio | 65.43% | 55.74% | 64.58% | 75.47% | Beats 48% | 388 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.93% | 0.09% | 0.42% | 1.07% | Beats 29% | 527 / 743 | | |
| Net Charge-Offs / Loans | 0.19% | 0.00% | 0.01% | 0.05% | Beats 9% | 680 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 15.70% | 11.55% | 13.75% | 17.60% | Beats 67% | 248 / 746 | | |
| Total Risk-Based Capital Ratio | 16.96% | 11.71% | 14.33% | 18.43% | Beats 69% | 230 / 746 | | |
| Equity / Assets | 13.25% | 8.90% | 10.51% | 13.06% | Beats 77% | 175 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 104.29% | 61.31% | 78.27% | 90.78% | 94th pctl | 47 / 746 | | |
| Loans / Assets | 88.53% | 53.60% | 66.97% | 76.08% | 98th pctl | 12 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |