West Memphis, AR · Cert 19644 · Carlson Bancshares Inc.
State charter, Fed member · FED · 6 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
34
Asset Quality
49
Profitability
41
Liquidity
17
Efficiency
64
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.
West Memphis, AR · Cert 19644 · Carlson Bancshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 1.1% share · #18 of 48 inst. · $0.5B of $46.3B
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 | 0.70% | 0.63% | 0.80% | 0.83% | 0.84% | 0.87% | 0.98% | 1.01% | +18 bps | |
| Return on Equity | 11.79% | 10.80% | 13.98% | 14.02% | 13.33% | 12.92% | 12.27% | 12.22% | -179 bps | |
| Net Interest Margin | 2.41% | 2.37% | 2.54% | 2.64% | 2.70% | 2.69% | 2.80% | 2.88% | +24 bps | |
| Efficiency Ratio | 61.97% | 61.42% | 64.52% | 64.16% | 63.32% | 62.30% | 59.28% | 59.23% | -493 bps | |
| Non-Interest Burden | 1.38% | 1.28% | 1.53% | 1.59% | 1.60% | 1.57% | 1.53% | 1.58% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.32% | -0.49% | 0.66% | 1.76% | 0.55% | 1.86% | 2.14% | -0.88% | -265 bps | |
| Loan Growth (YoY) | -2.22% | -2.84% | 5.93% | 2.76% | -1.11% | 7.17% | -0.59% | -2.91% | -566 bps | |
| Deposit Growth (YoY) | 2.91% | 0.08% | -0.10% | 0.79% | -3.18% | -2.98% | 0.36% | -3.55% | -434 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.01% | 0.01% | 0.00% | 0.00% | 0.71% | 0.72% | 0.74% | +74 bps | |
| Net Charge-Offs / Loans | 0.54% | 0.46% | 0.00% | 0.02% | 0.01% | 0.01% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 0.89% | 1.45% | 1.36% | 1.34% | 1.37% | 1.34% | 1.32% | 1.37% | +3 bps | |
| Allowance Coverage of NPLs | 17.5x | 97.8x | 103.4x | n/a | n/a | 1.9x | 1.8x | 1.8x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.33% | 11.01% | 12.10% | 12.30% | 12.62% | 12.60% | 12.68% | 13.07% | +77 bps | |
| Total Risk-Based Capital | 11.33% | 11.01% | 12.10% | 12.30% | 12.62% | 12.60% | 12.68% | 13.07% | +77 bps | |
| Equity / Assets | 6.91% | 5.49% | 5.97% | 6.28% | 7.61% | 8.15% | 7.86% | 8.69% | +241 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.88% | 48.92% | 52.10% | 51.45% | 54.01% | 54.04% | 51.61% | 51.79% | +34 bps | |
| Liquid Assets / Assets | 0.28% | 0.23% | 0.23% | 0.23% | 0.23% | 0.18% | 0.18% | 0.18% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 227% | 229% | 225% | n/a | n/a | |
West Memphis, AR · Cert 19644 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Carlson Bancshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Return on Assets
1.02%
Rank 399 of 746
Net Interest Margin
2.88%
Rank 643 of 746
Efficiency Ratio
59.23%
Rank 270 of 746
Equity / Assets
8.69%
Rank 584 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.02% | 0.72% | 1.06% | 1.45% | Beats 47% | 399 / 746 | ||
| Return on Equity | 11.70% | 6.74% | 10.51% | 13.63% | Beats 61% | 292 / 746 | ||
| Net Interest Margin | 2.88% | 3.17% | 3.68% | 4.16% | Beats 14% | 643 / 746 | ||
| Efficiency Ratio | 59.23% | 55.74% | 64.58% | 75.47% | Beats 64% | 270 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.74% | 0.09% | 0.42% | 1.07% | Beats 35% | 483 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 62% | 287 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.07% | 11.55% | 13.75% | 17.60% | Beats 43% | 428 / 746 | ||
| Total Risk-Based Capital Ratio | 13.07% | 11.71% | 14.33% | 18.43% | Beats 38% | 465 / 746 | ||
| Equity / Assets | 8.69% | 8.90% | 10.51% | 13.06% | Beats 22% | 584 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.79% | 61.31% | 78.27% | 90.78% | 14th pctl | 641 / 746 | ||
| Loans / Assets | 47.00% | 53.60% | 66.97% | 76.08% | 16th pctl | 623 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||