First Arkansas Bank and Trust
Jacksonville, AR · Cert 16849 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First Arkansas Bancshares Inc.
State charter, non-member · FDIC · 20 branches
Q2 2026
$1.1BAssets
$796.9MLoans
$985.8MDeposits
$109.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 64% of banks $1B-$10B in assets operating in a single state (rank 94 of 258).
- Widest gap: net charge-offs / loans trails 94% of banks $1B-$10B in assets operating in a single state (rank 243 of 258).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.28%
Rank 117 of 258
Net Interest Margin
3.56%
Rank 113 of 258
Efficiency Ratio
70.51%
Rank 198 of 257
Equity / Assets
9.57%
Rank 166 of 258
Non-interest income vs. expense
Unfavorable gap of $18.3M · efficiency ratio beats 23% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.28% | 0.93% | 1.23% | 1.54% | Beats 55% | 117 / 258 | |
| Return on Equity | 13.35% | 9.26% | 11.84% | 14.74% | Beats 64% | 94 / 258 | |
| Net Interest Margin | 3.56% | 3.16% | 3.49% | 3.88% | Beats 56% | 113 / 258 | |
| Efficiency Ratio | 70.51% | 51.71% | 60.30% | 69.65% | Beats 23% | 198 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.63% | 0.19% | 0.46% | 0.90% | Beats 11% | 230 / 258 | |
| Net Charge-Offs / Loans | 0.34% | 0.01% | 0.02% | 0.07% | Beats 6% | 243 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 10.74% | 11.41% | 12.98% | 15.12% | Beats 16% | 217 / 258 | |
| Total Risk-Based Capital Ratio | 10.74% | 12.10% | 13.91% | 16.08% | Beats 14% | 223 / 258 | |
| Equity / Assets | 9.57% | 9.09% | 10.24% | 11.72% | Beats 36% | 166 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 80.83% | 73.24% | 86.34% | 95.95% | 38th pctl | 159 / 258 | |
| Loans / Assets | 69.86% | 63.01% | 72.27% | 78.40% | 42nd pctl | 150 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |