Stone Bank
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
$950.7MAssets
$746.3MLoans
$757.7MDeposits
$74.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 97% of banks under $1B in assets operating in a single state (rank 26 of 746).
- Widest gap: net interest margin trails 92% of banks under $1B in assets operating in a single state (rank 685 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $2.7M · efficiency ratio beats 80% of banks under $1B in assets operating in a single state | 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 |