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 | |