Central Bank
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
$954.6MAssets
$820.9MLoans
$743.4MDeposits
$87.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 99% of banks under $1B in assets operating in a single state (rank 9 of 746).
- Widest gap: nonperforming loans / loans trails 98% of banks under $1B in assets operating in a single state (rank 729 of 743).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $8.3M · efficiency ratio beats 99% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |