Mountain View, AR · Cert 17431 · MO Ark Bancshares Inc.
State charter, Fed member · FED · 6 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
16
Asset Quality
18
Profitability
62
Liquidity
8
Efficiency
80
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.
Mountain View, AR · Cert 17431 · MO Ark Bancshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.5% share · #25 of 42 inst. · $0.2B 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 | 0.94% | 1.00% | 1.03% | 1.04% | 1.30% | 1.22% | 1.86% | 1.68% | +64 bps | |
| Return on Equity | 12.03% | 12.91% | 13.52% | 13.63% | 16.99% | 15.84% | 23.09% | 20.97% | +734 bps | |
| Net Interest Margin | 2.43% | 2.42% | 2.44% | 2.33% | 2.47% | 2.50% | 2.73% | 2.66% | +33 bps | |
| Efficiency Ratio | 63.06% | 62.40% | 59.26% | 61.00% | 57.45% | 59.76% | 50.55% | 52.72% | -828 bps | |
| Non-Interest Burden | 1.06% | 1.00% | 0.94% | 0.88% | 0.63% | 0.84% | 0.02% | 0.29% | -59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.30% | 12.27% | 9.06% | 7.29% | 11.33% | 5.12% | 5.04% | 8.80% | +150 bps | |
| Loan Growth (YoY) | 11.71% | 10.89% | 8.04% | 5.40% | 11.33% | 6.95% | 4.60% | 9.16% | +376 bps | |
| Deposit Growth (YoY) | 10.18% | 13.09% | 9.08% | 8.75% | 7.51% | 6.75% | 8.92% | 9.72% | +97 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.44% | 1.41% | 1.37% | 1.49% | 0.81% | 1.36% | 1.45% | 1.04% | -46 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.18% | 0.06% | 0.06% | 0.11% | 0.11% | 0.27% | 0.25% | +20 bps | |
| Allowance / Loans | 1.60% | 1.46% | 1.44% | 1.43% | 1.38% | 1.50% | 1.51% | 1.41% | -2 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.0x | 1.0x | 1.0x | 1.7x | 1.1x | 1.0x | 1.4x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.37% | 8.58% | 8.63% | 8.35% | 8.38% | 8.25% | 8.66% | 8.37% | +2 bps | |
| Total Risk-Based Capital | 11.75% | 11.96% | 12.09% | 11.61% | 11.43% | 11.86% | 11.87% | 11.65% | +5 bps | |
| Equity / Assets | 7.82% | 7.58% | 7.70% | 7.58% | 7.64% | 8.03% | 8.11% | 7.88% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.78% | 97.93% | 101.58% | 98.99% | 104.36% | 98.11% | 97.55% | 98.49% | -50 bps | |
| Liquid Assets / Assets | 1.70% | 3.44% | 1.65% | 1.84% | 0.92% | 1.25% | 1.19% | 1.16% | -68 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 467% | 445% | 424% | n/a | n/a | |
Mountain View, AR · Cert 17431 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · MO Ark Bancshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Return on Assets
1.61%
Rank 135 of 746
Net Interest Margin
2.66%
Rank 685 of 746
Efficiency Ratio
53.13%
Rank 152 of 746
Equity / Assets
7.88%
Rank 653 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.61% | 0.72% | 1.06% | 1.45% | Beats 82% | 135 / 746 | ||
| Return on Equity | 20.38% | 6.74% | 10.51% | 13.63% | Beats 97% | 26 / 746 | ||
| Net Interest Margin | 2.66% | 3.17% | 3.68% | 4.16% | Beats 8% | 685 / 746 | ||
| Efficiency Ratio | 53.13% | 55.74% | 64.58% | 75.47% | Beats 80% | 152 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.04% | 0.09% | 0.42% | 1.07% | Beats 26% | 554 / 743 | ||
| Net Charge-Offs / Loans | 0.17% | 0.00% | 0.01% | 0.05% | Beats 9% | 674 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.40% | 11.55% | 13.75% | 17.60% | Beats 13% | 651 / 746 | ||
| Total Risk-Based Capital Ratio | 11.65% | 11.71% | 14.33% | 18.43% | Beats 24% | 567 / 746 | ||
| Equity / Assets | 7.88% | 8.90% | 10.51% | 13.06% | Beats 12% | 653 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.49% | 61.31% | 78.27% | 90.78% | 89th pctl | 85 / 746 | ||
| Loans / Assets | 78.50% | 53.60% | 66.97% | 76.08% | 81st pctl | 144 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||