Armor Bank
Forrest City, AR · Cert 28812 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 743).
- Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets operating in a single state (rank 726 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.85%
Rank 489 of 746
Net Interest Margin
3.70%
Rank 362 of 746
Efficiency Ratio
71.37%
Rank 496 of 746
Equity / Assets
8.45%
Rank 605 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.72% | 1.06% | 1.45% | Beats 34% | 489 / 746 | | |
| Return on Equity | 10.01% | 6.74% | 10.51% | 13.63% | Beats 47% | 398 / 746 | | |
| Net Interest Margin | 3.70% | 3.17% | 3.68% | 4.16% | Beats 51% | 362 / 746 | | |
| Efficiency Ratio | 71.37% | 55.74% | 64.58% | 75.47% | Beats 34% | 496 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.09% | 0.42% | 1.07% | Beats 52% | 359 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 67% | 251 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 9.40% | 11.55% | 13.75% | 17.60% | Beats 3% | 726 / 746 | | |
| Total Risk-Based Capital Ratio | 9.40% | 11.71% | 14.33% | 18.43% | Beats 3% | 726 / 746 | | |
| Equity / Assets | 8.45% | 8.90% | 10.51% | 13.06% | Beats 19% | 605 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.77% | 61.31% | 78.27% | 90.78% | 66th pctl | 257 / 746 | | |
| Loans / Assets | 76.41% | 53.60% | 66.97% | 76.08% | 76th pctl | 181 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |