McGehee, AR · Cert 21379 · First National Financial Corp.
State charter, Fed member · FED · 3 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.99% | 0.90% | 0.92% | 1.03% | +11 bps | |
| Return on Equity | 6.46% | 6.94% | 6.26% | 6.25% | 7.05% | +58 bps | |
| Net Interest Margin | 4.20% | 3.70% | 3.79% | 3.94% | 3.92% | -28 bps | |
| Efficiency Ratio | 69.33% | 66.71% | 68.24% | 70.50% | 67.04% | -228 bps | |
| Non-Interest Burden | 2.86% | 2.42% | 2.54% | 2.75% | 2.59% | -27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.03% | 9.00% | 7.36% | 1.14% | 7.80% | +176 bps | |
| Loan Growth (YoY) | 8.30% | 4.77% | 14.10% | 15.11% | 15.52% | +721 bps | |
| Deposit Growth (YoY) | 5.35% | 8.58% | 2.47% | 0.42% | 5.99% | +64 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.86% | 0.85% | 0.54% | 0.59% | 0.50% | -37 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.12% | 0.07% | 0.00% | 0.02% | -17 bps | |
| Allowance / Loans | 1.71% | 1.70% | 1.69% | 1.67% | 1.55% | -16 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.0x | 3.1x | 2.8x | 3.1x | +1.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 17.89% | 15.71% | 15.45% | 15.44% | 15.55% | -234 bps | |
| Total Risk-Based Capital | 26.89% | 24.42% | 27.80% | 25.65% | 25.62% | -127 bps | |
| Equity / Assets | 14.43% | 14.34% | 14.76% | 14.74% | 14.36% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.24% | 86.40% | 97.77% | 94.54% | 97.26% | +802 bps | |
| Liquid Assets / Assets | 1.93% | 1.85% | 1.66% | 1.64% | 1.56% | -37 bps | |
| CRE / Total Capital | n/a | 69.28% | 78.18% | 84.52% | n/a | n/a | |