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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.42% | 0.80% | 0.86% | 0.87% | 0.92% | 0.98% | 1.03% | +17 bps | |
| Return on Equity | 7.05% | 6.78% | 13.98% | 14.02% | 12.58% | 11.70% | 12.27% | 12.41% | -160 bps | |
| Net Interest Margin | 2.39% | 2.43% | 2.54% | 2.74% | 2.76% | 2.73% | 2.80% | 2.92% | +18 bps | |
| Efficiency Ratio | 59.85% | 60.11% | 64.52% | 63.82% | 61.69% | 59.30% | 59.28% | 59.18% | -464 bps | |
| Non-Interest Burden | 1.31% | 1.10% | 1.53% | 1.65% | 1.59% | 1.50% | 1.53% | 1.61% | -4 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 | 1.61% | 0.12% | 0.00% | 0.05% | -0.01% | -0.01% | 0.00% | 0.00% | -5 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 | |