Forrest City, AR · Cert 28812 · Big Creek Bancshares Inc.
State charter, Fed member · FED · 12 branches
Q2 2026
Market Position · Jonesboro, AR · 2026 SOD (annual) · 2.9% share · #14 of 25 inst. · $0.1B of $4.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.93% | 0.64% | 0.81% | 0.94% | +22 bps | |
| Return on Equity | 8.82% | 11.20% | 7.60% | 9.41% | 11.07% | +225 bps | |
| Net Interest Margin | 3.36% | 3.66% | 3.77% | 3.59% | 3.88% | +52 bps | |
| Efficiency Ratio | 77.70% | 73.25% | 70.31% | 72.77% | 68.83% | -886 bps | |
| Non-Interest Burden | 2.54% | 2.59% | 2.56% | 2.52% | 2.56% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.04% | -1.25% | 3.20% | 6.57% | 10.27% | +623 bps | |
| Loan Growth (YoY) | 4.67% | 2.77% | 0.22% | 2.74% | 8.50% | +383 bps | |
| Deposit Growth (YoY) | 8.65% | 0.50% | 5.10% | 6.05% | 7.66% | -99 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.17% | 0.16% | 0.16% | 0.00% | 0.41% | +23 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.17% | 1.17% | 1.26% | 1.27% | 1.25% | +8 bps | |
| Allowance Coverage of NPLs | 6.7x | 7.4x | 8.0x | n/a | 3.1x | -3.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.15% | 9.17% | 9.12% | 9.32% | 9.40% | +25 bps | |
| Total Risk-Based Capital | 12.57% | 12.59% | 13.40% | 9.32% | 9.40% | -318 bps | |
| Equity / Assets | 8.33% | 8.28% | 8.68% | 8.52% | 8.45% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.11% | 88.70% | 83.82% | 81.72% | 85.77% | +66 bps | |
| Liquid Assets / Assets | 0.12% | 0.13% | 0.13% | 0.13% | 0.10% | -2 bps | |
| CRE / Total Capital | n/a | 464% | 429% | 422% | n/a | n/a | |