Batesville, AR · Cert 17211 · Citizens Bancshares Batesville
State charter, Fed member · FED · 16 branches
Q2 2026
Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.8% share · #17 of 42 inst. · $0.3B 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 | 0.91% | 0.97% | 1.33% | 1.41% | 1.42% | 1.32% | 1.53% | 1.55% | +15 bps | |
| Return on Equity | 11.26% | 11.95% | 16.07% | 16.92% | 17.14% | 15.90% | 17.50% | 17.58% | +66 bps | |
| Net Interest Margin | 2.91% | 2.81% | 3.20% | 3.15% | 3.37% | 3.18% | 3.38% | 3.30% | +15 bps | |
| Efficiency Ratio | 65.13% | 64.73% | 55.03% | 53.77% | 52.62% | 53.18% | 48.08% | 48.19% | -558 bps | |
| Non-Interest Burden | 1.74% | 1.67% | 1.57% | 1.50% | 1.57% | 1.50% | 1.36% | 1.34% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.35% | 5.79% | 5.32% | 2.92% | 3.97% | 7.64% | 4.99% | 8.93% | +602 bps | |
| Loan Growth (YoY) | 4.89% | 2.53% | -2.10% | -3.41% | -2.42% | 2.68% | 4.82% | 4.85% | +826 bps | |
| Deposit Growth (YoY) | 9.38% | 7.16% | 5.39% | 2.77% | 3.68% | 10.72% | 3.96% | 8.47% | +570 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.25% | 0.21% | 0.26% | 0.29% | 0.29% | 0.32% | 0.38% | 0.37% | +9 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.12% | 0.18% | 0.17% | 0.17% | 0.18% | 0.12% | 0.08% | -8 bps | |
| Allowance / Loans | 1.39% | 1.37% | 1.39% | 1.38% | 1.36% | 1.40% | 1.45% | 1.47% | +9 bps | |
| Allowance Coverage of NPLs | 5.6x | 6.5x | 5.4x | 4.8x | 4.7x | 4.4x | 3.8x | 3.9x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.52% | 8.21% | 8.71% | 8.45% | 9.05% | 8.48% | 9.11% | 8.87% | +43 bps | |
| Total Risk-Based Capital | 10.64% | 10.91% | 11.04% | 11.43% | 11.40% | 11.18% | 11.57% | 11.61% | +18 bps | |
| Equity / Assets | 7.97% | 8.32% | 8.23% | 8.43% | 8.20% | 8.45% | 9.08% | 8.99% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.16% | 94.06% | 88.01% | 89.47% | 84.86% | 87.23% | 88.73% | 86.49% | -298 bps | |
| Liquid Assets / Assets | 4.53% | 4.39% | 7.39% | 6.48% | 10.05% | 7.83% | 6.15% | 8.51% | +202 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 453% | 452% | 427% | n/a | n/a | |