Jacksonville, AR · Cert 16849 · First Arkansas Bancshares Inc.
State charter, non-member · FDIC · 20 branches
Q2 2026
Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 2.1% share · #9 of 42 inst. · $0.8B of $36.9B
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 | 0.41% | 0.47% | 0.80% | 0.82% | 0.75% | 0.74% | 1.45% | 1.27% | +45 bps | |
| Return on Equity | 5.70% | 6.48% | 10.47% | 10.45% | 9.22% | 8.97% | 16.33% | 13.91% | +347 bps | |
| Net Interest Margin | 2.59% | 2.72% | 3.00% | 3.07% | 3.15% | 3.07% | 3.58% | 3.56% | +49 bps | |
| Efficiency Ratio | 85.32% | 83.89% | 79.35% | 79.04% | 79.26% | 79.75% | 68.10% | 70.51% | -853 bps | |
| Non-Interest Burden | 1.67% | 1.70% | 1.64% | 1.71% | 1.80% | 1.81% | 1.29% | 1.53% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.27% | 7.91% | -2.48% | -4.68% | -4.62% | 4.75% | 4.53% | 4.98% | +966 bps | |
| Loan Growth (YoY) | 16.20% | 9.68% | -1.92% | -6.47% | -6.68% | -0.52% | 4.86% | 6.04% | +1,252 bps | |
| Deposit Growth (YoY) | 19.22% | 13.75% | 5.39% | 3.52% | 1.78% | 5.07% | 5.47% | 1.88% | -163 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.49% | 1.18% | 1.57% | 1.68% | 1.65% | 2.01% | 1.72% | 1.63% | -5 bps | |
| Net Charge-Offs / Loans | 0.58% | 0.94% | 0.51% | 0.52% | 0.55% | 0.49% | 0.70% | 0.63% | +10 bps | |
| Allowance / Loans | 1.45% | 1.19% | 1.20% | 1.21% | 1.21% | 1.18% | 1.10% | 1.12% | -9 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.0x | 0.8x | 0.7x | 0.7x | 0.6x | 0.6x | 0.7x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.26% | 9.56% | 10.11% | 10.34% | 10.61% | 10.35% | 10.49% | 10.74% | +39 bps | |
| Total Risk-Based Capital | 9.26% | 9.56% | 10.11% | 10.34% | 10.61% | 10.35% | 10.49% | 10.74% | +39 bps | |
| Equity / Assets | 7.68% | 7.47% | 7.88% | 8.15% | 8.93% | 8.83% | 8.89% | 9.57% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.64% | 79.10% | 81.47% | 77.66% | 77.61% | 74.89% | 81.00% | 80.83% | +317 bps | |
| Liquid Assets / Assets | 0.05% | 0.69% | 0.03% | 0.85% | 0.97% | 3.48% | 0.02% | 0.04% | -82 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 267% | 265% | 273% | n/a | n/a | |