Monticello, AR · Cert 1753 · First Union Financial Corp.
State charter, Fed member · FED · 5 branches
Q2 2026
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 | 0.87% | 0.92% | 1.25% | 1.20% | 1.23% | 1.19% | 1.26% | 1.23% | +4 bps | |
| Return on Equity | 10.80% | 11.43% | 14.90% | 14.35% | 14.67% | 14.07% | 14.04% | 13.88% | -47 bps | |
| Net Interest Margin | 3.30% | 3.38% | 3.82% | 3.75% | 3.74% | 3.75% | 3.95% | 3.84% | +8 bps | |
| Efficiency Ratio | 67.35% | 65.02% | 60.37% | 60.82% | 59.99% | 59.43% | 57.35% | 57.49% | -333 bps | |
| Non-Interest Burden | 2.00% | 1.94% | 2.02% | 2.01% | 1.96% | 1.95% | 1.99% | 1.94% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.38% | 7.72% | 1.39% | 3.62% | 5.46% | 8.16% | 4.53% | 9.72% | +610 bps | |
| Loan Growth (YoY) | 9.01% | 9.44% | 9.21% | 5.43% | 6.28% | 10.06% | 7.31% | 9.34% | +391 bps | |
| Deposit Growth (YoY) | 9.91% | 15.16% | 0.35% | 7.60% | 7.54% | 7.56% | 3.85% | 9.26% | +167 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.41% | 0.72% | 1.49% | 1.59% | 1.16% | 1.19% | 1.11% | -38 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.20% | 0.06% | 0.09% | 0.07% | 0.24% | 0.05% | 0.10% | +1 bps | |
| Allowance / Loans | 1.57% | 1.68% | 1.69% | 1.69% | 1.74% | 1.65% | 1.77% | 1.77% | +8 bps | |
| Allowance Coverage of NPLs | 6.9x | 4.1x | 2.3x | 1.1x | 1.1x | 1.4x | 1.5x | 1.6x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.14% | 10.29% | 10.67% | 10.41% | 10.27% | 10.31% | 10.63% | 10.19% | -22 bps | |
| Total Risk-Based Capital | 10.14% | 10.29% | 10.67% | 10.41% | 10.27% | 10.31% | 10.63% | 10.19% | -22 bps | |
| Equity / Assets | 8.41% | 8.17% | 8.61% | 8.22% | 8.56% | 8.73% | 9.23% | 8.68% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.32% | 84.97% | 87.29% | 87.30% | 87.29% | 86.94% | 90.20% | 87.36% | +6 bps | |
| Liquid Assets / Assets | 0.80% | 2.46% | 1.25% | 1.61% | 2.08% | 2.99% | 0.75% | 4.57% | +295 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 292% | 311% | 305% | n/a | n/a | |