Helena, AR · Cert 15729 · Helena Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.1% share · #42 of 48 inst. · $0.0B of $46.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.96% | 0.98% | 1.29% | 1.09% | 1.33% | 1.04% | 1.04% | -25 bps | |
| Return on Equity | 8.85% | 8.57% | 8.51% | 10.90% | 9.13% | 10.70% | 7.85% | 7.81% | -309 bps | |
| Net Interest Margin | 3.79% | 3.76% | 3.94% | 4.18% | 3.95% | 4.23% | 4.26% | 4.31% | +13 bps | |
| Efficiency Ratio | 62.63% | 61.37% | 64.50% | 58.45% | 62.00% | 59.10% | 65.62% | 65.25% | +680 bps | |
| Non-Interest Burden | 2.28% | 2.11% | 2.44% | 2.27% | 2.33% | 2.32% | 2.70% | 2.71% | +44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.43% | 0.73% | 4.20% | 0.35% | -0.17% | -6.16% | -5.88% | -4.46% | -480 bps | |
| Loan Growth (YoY) | 0.25% | 1.89% | 4.02% | 0.64% | -0.29% | -6.13% | -8.11% | -3.68% | -433 bps | |
| Deposit Growth (YoY) | 4.96% | 4.95% | -3.95% | -7.98% | -4.03% | -4.90% | 0.97% | 7.43% | +1,541 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.48% | 0.27% | 0.26% | 0.40% | 1.37% | 0.57% | 0.93% | +67 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.00% | 0.01% | 0.00% | 0.02% | 0.29% | 0.80% | 0.01% | +1 bps | |
| Allowance / Loans | 1.55% | 1.69% | 1.78% | 1.78% | 1.82% | 1.98% | 1.91% | 1.82% | +4 bps | |
| Allowance Coverage of NPLs | 15.0x | 3.6x | 6.5x | 6.8x | 4.5x | 1.4x | 3.3x | 2.0x | -4.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.51% | 11.83% | 12.24% | 12.23% | 12.15% | 12.97% | 13.68% | 13.73% | +150 bps | |
| Total Risk-Based Capital | 14.58% | 15.33% | 15.76% | 15.48% | 12.15% | 12.97% | 13.68% | 16.96% | +148 bps | |
| Equity / Assets | 11.16% | 11.21% | 11.82% | 11.86% | 11.97% | 12.97% | 13.48% | 13.25% | +139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.60% | 103.13% | 108.58% | 116.33% | 113.88% | 101.80% | 98.81% | 104.29% | -1,204 bps | |
| Liquid Assets / Assets | 2.12% | 4.88% | 3.82% | 1.45% | 2.35% | 4.26% | 4.79% | 1.63% | +18 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 424% | 395% | 368% | n/a | n/a | |