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 | |