Newport, AR · Cert 16464 · M&P Cmty Bancshares 401 K Employee STK Ownership Plan
State charter, non-member · FDIC · 11 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
21
Profitability
43
Liquidity
22
Efficiency
26
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.
Newport, AR · Cert 16464 · M&P Cmty Bancshares 401 K Employee STK Ownership Plan
State charter, non-member · FDIC · 11 branches
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 | 0.87% | 0.90% | 0.71% | 0.74% | 0.85% | 0.89% | 0.81% | 0.95% | +20 bps | |
| Return on Equity | 9.75% | 10.14% | 7.86% | 8.22% | 9.45% | 9.82% | 8.76% | 10.41% | +219 bps | |
| Net Interest Margin | 3.58% | 3.61% | 3.44% | 3.46% | 3.50% | 3.40% | 3.37% | 3.55% | +9 bps | |
| Efficiency Ratio | 73.94% | 74.87% | 76.42% | 76.19% | 74.33% | 74.54% | 77.53% | 74.81% | -138 bps | |
| Non-Interest Burden | 2.34% | 2.43% | 2.37% | 2.37% | 2.32% | 2.26% | 2.37% | 2.38% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.10% | -1.65% | 3.45% | 3.62% | 11.35% | 11.71% | 4.47% | 13.98% | +1,035 bps | |
| Loan Growth (YoY) | 1.21% | 10.59% | 8.04% | 1.37% | -5.00% | -5.38% | -5.57% | 2.42% | +105 bps | |
| Deposit Growth (YoY) | -0.31% | -0.56% | 3.12% | 3.30% | 11.87% | 11.93% | 4.09% | 14.55% | +1,125 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.69% | 3.09% | 3.45% | 3.26% | 3.08% | 3.16% | 2.25% | 1.29% | -197 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.14% | 0.13% | 0.10% | 0.12% | 0.43% | 0.14% | -0.25% | -34 bps | |
| Allowance / Loans | 0.85% | 0.90% | 1.00% | 1.00% | 1.02% | 0.86% | 0.86% | 0.91% | -9 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.4x | 0.7x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.77% | 10.59% | 10.57% | 10.39% | 10.41% | 10.03% | 10.19% | 10.15% | -24 bps | |
| Total Risk-Based Capital | 10.77% | 10.59% | 10.57% | 10.39% | 10.41% | 10.03% | 10.19% | 10.15% | -24 bps | |
| Equity / Assets | 9.43% | 9.09% | 8.99% | 9.02% | 9.03% | 9.06% | 9.36% | 8.83% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.25% | 62.64% | 56.92% | 59.64% | 57.11% | 52.95% | 51.63% | 53.32% | -632 bps | |
| Liquid Assets / Assets | 6.56% | 10.42% | 15.70% | 12.10% | 12.78% | 15.54% | 18.27% | 18.41% | +631 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 107.35% | 108.35% | 102.66% | n/a | n/a | |
Newport, AR · Cert 16464 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · M&P Cmty Bancshares 401 K Employee STK Ownership Plan
State charter, non-member · FDIC · 11 branches
Q2 2026
Return on Assets
0.90%
Rank 461 of 746
Net Interest Margin
3.55%
Rank 424 of 746
Efficiency Ratio
74.81%
Rank 553 of 746
Equity / Assets
8.83%
Rank 571 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.90% | 0.72% | 1.06% | 1.45% | Beats 38% | 461 / 746 | ||
| Return on Equity | 10.21% | 6.74% | 10.51% | 13.63% | Beats 48% | 388 / 746 | ||
| Net Interest Margin | 3.55% | 3.17% | 3.68% | 4.16% | Beats 43% | 424 / 746 | ||
| Efficiency Ratio | 74.81% | 55.74% | 64.58% | 75.47% | Beats 26% | 553 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.29% | 0.09% | 0.42% | 1.07% | Beats 20% | 592 / 743 | ||
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.05% | Beats 22% | 584 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.15% | 11.55% | 13.75% | 17.60% | Beats 10% | 668 / 746 | ||
| Total Risk-Based Capital Ratio | 10.15% | 11.71% | 14.33% | 18.43% | Beats 10% | 674 / 746 | ||
| Equity / Assets | 8.83% | 8.90% | 10.51% | 13.06% | Beats 23% | 571 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.32% | 61.31% | 78.27% | 90.78% | 15th pctl | 631 / 746 | ||
| Loans / Assets | 47.91% | 53.60% | 66.97% | 76.08% | 18th pctl | 613 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||