Armor Bank
Forrest City, AR · Cert 28812 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Big Creek Bancshares Inc.
State charter, Fed member · FED · 12 branches
Q2 2026
$516.9MAssets
$395.0MLoans
$460.5MDeposits
$43.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 67% of banks under $1B in assets operating in a single state (rank 251 of 751).
- Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets operating in a single state (rank 734 of 755).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.85%
Rank 497 of 755
Net Interest Margin
3.70%
Rank 367 of 755
Efficiency Ratio
71.37%
Rank 500 of 755
Equity / Assets
8.45%
Rank 617 of 755
Non-interest income vs. expense
Unfavorable gap of $12.5M · efficiency ratio beats 34% 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 | 0.85% | 0.72% | 1.06% | 1.45% | Beats 34% | 497 / 755 | |
| Return on Equity | 10.01% | 6.66% | 10.44% | 13.61% | Beats 47% | 401 / 755 | |
| Net Interest Margin | 3.70% | 3.15% | 3.68% | 4.17% | Beats 51% | 367 / 755 | |
| Efficiency Ratio | 71.37% | 55.75% | 64.78% | 75.61% | Beats 34% | 500 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.09% | 0.42% | 1.05% | Beats 51% | 367 / 751 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 67% | 251 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 9.40% | 11.56% | 13.81% | 17.74% | Beats 3% | 734 / 755 | |
| Total Risk-Based Capital Ratio | 9.40% | 11.72% | 14.46% | 18.53% | Beats 3% | 734 / 755 | |
| Equity / Assets | 8.45% | 8.93% | 10.56% | 13.13% | Beats 18% | 617 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 85.77% | 62.43% | 78.62% | 91.00% | 65th pctl | 265 / 755 | |
| Loans / Assets | 76.41% | 54.70% | 67.27% | 76.55% | 74th pctl | 194 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |