Little Rock, AR · Cert 1756 · Cross County Bancshares Inc.
State charter, non-member · FDIC · 3 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
21
Asset Quality
4
Profitability
43
Liquidity
0
Efficiency
99
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.
Little Rock, AR · Cert 1756 · Cross County Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (13 in holding)
Q2 2026
Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 1.8% share · #11 of 42 inst. · $0.7B 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 | 1.65% | 1.71% | 1.87% | 1.80% | 1.72% | 1.40% | 1.18% | 1.09% | -70 bps | |
| Return on Equity | 21.23% | 20.82% | 18.98% | 18.22% | 17.54% | 14.42% | 12.79% | 11.84% | -638 bps | |
| Net Interest Margin | 3.46% | 3.35% | 3.64% | 3.52% | 3.42% | 3.12% | 3.18% | 3.05% | -48 bps | |
| Efficiency Ratio | 31.56% | 30.93% | 25.03% | 27.32% | 27.89% | 30.57% | 33.66% | 34.55% | +723 bps | |
| Non-Interest Burden | 0.83% | 0.79% | 0.62% | 0.69% | 0.71% | 0.74% | 0.89% | 0.88% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.48% | 24.81% | 24.35% | 25.35% | 26.07% | 20.74% | 24.90% | 20.92% | -443 bps | |
| Loan Growth (YoY) | 34.49% | 26.57% | 27.87% | 28.66% | 25.49% | 28.10% | 27.02% | 19.18% | -948 bps | |
| Deposit Growth (YoY) | 22.92% | 20.56% | 19.87% | 19.34% | 21.94% | 16.73% | 19.64% | 17.18% | -216 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.12% | 0.99% | 1.16% | 1.08% | 1.69% | 1.70% | 4.83% | 4.76% | +368 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.07% | 0.02% | 0.02% | 0.12% | 0.11% | 0.37% | 0.66% | +64 bps | |
| Allowance / Loans | 1.43% | 1.40% | 1.42% | 1.42% | 1.44% | 1.45% | 1.41% | 1.42% | 0 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.4x | 1.2x | 1.3x | 0.9x | 0.9x | 0.3x | 0.3x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.39% | 10.57% | 10.46% | 10.28% | 10.07% | 9.75% | 9.44% | 9.37% | -91 bps | |
| Total Risk-Based Capital | 10.35% | 12.39% | 12.33% | 12.16% | 12.21% | 11.53% | 11.49% | 11.57% | -59 bps | |
| Equity / Assets | 7.85% | 9.75% | 9.93% | 9.87% | 9.58% | 9.44% | 9.07% | 9.18% | -69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.18% | 99.76% | 104.09% | 108.57% | 104.13% | 109.47% | 110.51% | 110.42% | +185 bps | |
| Liquid Assets / Assets | 2.38% | 0.62% | 0.80% | 0.89% | 1.31% | 2.62% | 1.50% | 2.42% | +153 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 471% | 481% | 476% | n/a | n/a | |
Little Rock, AR · Cert 1756 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Cross County Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (13 in holding)
Q2 2026
Return on Assets
1.06%
Rank 379 of 746
Net Interest Margin
3.05%
Rank 601 of 746
Efficiency Ratio
34.55%
Rank 9 of 746
Equity / Assets
9.18%
Rank 534 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.06% | 0.72% | 1.06% | 1.45% | Beats 49% | 379 / 746 | ||
| Return on Equity | 11.51% | 6.74% | 10.51% | 13.63% | Beats 60% | 302 / 746 | ||
| Net Interest Margin | 3.05% | 3.17% | 3.68% | 4.16% | Beats 19% | 601 / 746 | ||
| Efficiency Ratio | 34.55% | 55.74% | 64.58% | 75.47% | Beats 99% | 9 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.76% | 0.09% | 0.42% | 1.07% | Beats 2% | 729 / 743 | ||
| Net Charge-Offs / Loans | 0.33% | 0.00% | 0.01% | 0.05% | Beats 5% | 708 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.32% | 11.55% | 13.75% | 17.60% | Beats 12% | 658 / 746 | ||
| Total Risk-Based Capital Ratio | 11.57% | 11.71% | 14.33% | 18.43% | Beats 23% | 572 / 746 | ||
| Equity / Assets | 9.18% | 8.90% | 10.51% | 13.06% | Beats 28% | 534 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 110.42% | 61.31% | 78.27% | 90.78% | 97th pctl | 23 / 746 | ||
| Loans / Assets | 85.99% | 53.60% | 66.97% | 76.08% | 97th pctl | 25 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||