PackageTrendsPeer
Letter portraitLegal landscape

Stephens Security Bank, The

Stephens, AR · Cert 16395

FDIC · 1 branch

Q2 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2024, the quarter ended June 30, 2024, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=819 to 825). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q2 2024peer median (50)

Asset Quality

68

Q2 2024Q2 2024peer median (50)

Profitability

54

Q2 2024Q2 2024peer median (50)

Liquidity

10

Q2 2024Q2 2024peer median

Efficiency

44

Q2 2024Q2 2024peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Stephens Security Bank, The

Stephens, AR · Cert 16395

FDIC · 1 branch

Q2 2024

$61.8MAssets
$52.6MLoans
$53.0MDeposits
$7.6MEquity
Loan mix
90%RE $46.6M4%C&I $2.0M6%Consumer $3.1MQ3 2022Q2 2024
Deposit mix
92%Interest-bearing $49.0M8%Noninterest $4.0MQ3 2022Q2 2024

Executive Summary

  • Earnings: ROA of 0.83%, down 31 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.01% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.49%, up 23 bps from a year ago.
  • Funding: loans stand at 99.22% of deposits as of Q2 2024.

Return on Assets (YTD, annualized)

0.83%-31 bps YoY

Net Interest Margin (YTD, annualized)

3.73%-12 bps YoY

Efficiency Ratio (YTD, annualized)

73.53%+821 bps YoY

Tier 1 Leverage Ratio

12.49%+23 bps YoY

NIM

4.91%Q2 ’225.67%Q2 ’236.63%Q2 ’24-9%-3%

Non-interest income vs. expense

2.64%Q2 ’222.71%Q2 ’232.94%Q2 ’24+12%+11%

Year to date, annualized, through each quarter.

MetricQ3 2022Q4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024YoY ΔTrend
Earnings
Return on Assets1.64%1.66%1.19%1.14%1.06%1.02%0.76%0.83%-31 bps
Return on Equity14.83%14.82%10.26%9.69%9.13%8.75%6.36%6.83%-286 bps
Net Interest Margin4.33%4.38%3.94%3.84%3.83%3.85%3.70%3.73%-12 bps
Efficiency Ratio56.67%56.73%63.68%65.33%66.80%68.11%75.52%73.53%+821 bps
Non-Interest Burden2.24%2.28%2.41%2.40%2.47%2.52%2.74%2.67%+27 bps
Growth
Asset Growth (YoY)-0.81%0.21%3.98%4.89%2.66%-1.36%-6.89%-7.29%-1,218 bps
Loan Growth (YoY)8.60%7.28%2.30%2.08%0.46%-1.08%-1.26%-1.03%-311 bps
Deposit Growth (YoY)-0.72%-0.04%3.26%3.75%2.12%-1.80%-7.62%-7.92%-1,167 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.01%0.08%0.01%0.01%0.12%0.14%0.01%0 bps
Net Charge-Offs / Loans-0.04%-0.01%0.06%-0.02%-0.02%0.07%-0.01%0.00%+2 bps
Allowance / Loans2.12%2.12%1.61%1.62%1.61%1.56%1.58%1.56%-6 bps
Allowance Coverage of NPLs11.3x224.8x19.7x172.4x216.0x13.2x11.6x273.7x+101.3x
Capital
Tier 1 Leverage Ratio11.52%12.04%12.20%12.26%11.85%12.01%12.41%12.49%+23 bps
Total Risk-Based Capital11.52%12.04%12.20%12.26%11.85%12.01%12.41%12.49%+23 bps
Equity / Assets10.97%11.55%11.71%11.94%11.41%11.86%12.19%12.28%+34 bps
Liquidity & Funding
Loans / Deposits95.71%94.98%89.95%92.31%94.15%95.69%96.14%99.22%+691 bps
Liquid Assets / Assets4.62%4.83%10.49%8.83%6.75%5.61%5.83%3.26%-557 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Stephens Security Bank, The

Stephens, AR · Cert 16395 · Peer group: banks under $1B in assets operating in a single state (n=819-825)

FDIC · 1 branch

Q2 2024

$61.8MAssets
$52.6MLoans
$53.0MDeposits
$7.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 82% of banks under $1B in assets operating in a single state (rank 152 of 819).
  • Widest gap: total risk-based capital ratio trails 66% of banks under $1B in assets operating in a single state (rank 545 of 825).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.84%

Rank 398 of 825

Net Interest Margin

3.73%

Rank 226 of 823

Efficiency Ratio

73.53%

Rank 463 of 825

Equity / Assets

12.28%

Rank 195 of 825

Non-interest income vs. expense

$0.2M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 44% of banks under $1B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.84%0.44%0.82%1.20%Beats 52%398 / 825n/a
Return on Equity6.83%4.83%8.68%12.76%Beats 37%522 / 823n/a
Net Interest Margin3.73%2.67%3.21%3.78%Beats 73%226 / 823n/a
Efficiency Ratio73.53%60.48%70.66%82.88%Beats 44%463 / 825n/a
Asset Quality
Nonperforming Loans / Loans0.01%0.04%0.33%0.89%Beats 82%152 / 819n/a
Net Charge-Offs / Loans0.01%n/a0.01%0.04%Beats 54%384 / 819n/a
Capital
Tier 1 Capital Ratio12.49%11.27%13.54%17.30%Beats 39%506 / 825n/a
Total Risk-Based Capital Ratio12.49%11.58%14.22%17.83%Beats 34%545 / 825n/a
Equity / Assets12.28%7.81%9.47%12.02%Beats 76%195 / 825n/a
Liquidity & Funding
Loans / Deposits99.22%59.04%76.96%89.87%88th pctl102 / 825n/a
Loans / Assets85.09%51.66%65.27%75.68%95th pctl45 / 819n/a
Brokered Deposits / Depositsn/aNot reported for this institution