Springdale, AR · Cert 32025 · United Holding Co. Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
87
Profitability
52
Liquidity
23
Efficiency
34
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Springdale, AR · Cert 32025 · United Holding Co. Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 1.3% share · #16 of 42 inst. · $0.3B of $20.2B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.39% | 0.54% | 0.62% | 0.67% | 0.71% | 0.89% | 0.94% | +32 bps | |
| Return on Equity | 3.28% | 3.89% | 5.32% | 6.08% | 6.64% | 7.01% | 8.78% | 9.05% | +297 bps | |
| Net Interest Margin | 3.17% | 3.30% | 3.62% | 3.73% | 3.82% | 3.78% | 4.07% | 4.15% | +42 bps | |
| Efficiency Ratio | 87.35% | 83.84% | 79.36% | 77.13% | 75.20% | 74.64% | 70.97% | 71.11% | -602 bps | |
| Non-Interest Burden | 2.74% | 2.73% | 2.84% | 2.84% | 2.82% | 2.77% | 2.85% | 2.90% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.77% | 7.03% | 2.24% | 5.85% | 7.32% | 2.90% | 9.60% | -0.25% | -611 bps | |
| Loan Growth (YoY) | 6.93% | 6.89% | 5.67% | 3.21% | 4.81% | 5.18% | 2.40% | 0.51% | -270 bps | |
| Deposit Growth (YoY) | 10.49% | 7.06% | 3.57% | 8.72% | 9.77% | 9.23% | 15.71% | 2.83% | -589 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.39% | 0.28% | 0.26% | 0.18% | 0.14% | 0.13% | 0.12% | 0.10% | -8 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.04% | -0.04% | -0.02% | -0.05% | -0.03% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.40% | 1.45% | 1.48% | 1.48% | 1.49% | 1.52% | 1.57% | 1.58% | +10 bps | |
| Allowance Coverage of NPLs | 3.6x | 5.1x | 5.6x | 8.2x | 10.9x | 12.1x | 13.3x | 15.3x | +7.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.28% | 10.32% | 10.50% | 10.40% | 10.50% | 10.28% | 10.37% | 10.66% | +26 bps | |
| Total Risk-Based Capital | 14.00% | 14.31% | 14.21% | 13.80% | 13.41% | 13.80% | 14.34% | 14.69% | +89 bps | |
| Equity / Assets | 10.10% | 10.11% | 10.23% | 10.19% | 10.01% | 10.46% | 9.87% | 10.80% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.69% | 101.06% | 99.05% | 97.32% | 98.05% | 97.31% | 87.67% | 95.13% | -219 bps | |
| Liquid Assets / Assets | 5.39% | 6.38% | 6.59% | 4.82% | 3.46% | 3.37% | 11.51% | 4.02% | -80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 400% | 398% | 379% | n/a | n/a | |
Springdale, AR · Cert 32025 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · United Holding Co. Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Return on Assets
0.96%
Rank 423 of 746
Net Interest Margin
4.15%
Rank 193 of 746
Efficiency Ratio
71.11%
Rank 490 of 746
Equity / Assets
10.80%
Rank 341 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.96% | 0.72% | 1.06% | 1.45% | Beats 43% | 423 / 746 | ||
| Return on Equity | 8.93% | 6.74% | 10.51% | 13.63% | Beats 40% | 450 / 746 | ||
| Net Interest Margin | 4.15% | 3.17% | 3.68% | 4.16% | Beats 74% | 193 / 746 | ||
| Efficiency Ratio | 71.11% | 55.74% | 64.58% | 75.47% | Beats 34% | 490 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.42% | 1.07% | Beats 74% | 193 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.43% | 11.55% | 13.75% | 17.60% | Beats 46% | 401 / 746 | ||
| Total Risk-Based Capital Ratio | 14.69% | 11.71% | 14.33% | 18.43% | Beats 52% | 357 / 746 | ||
| Equity / Assets | 10.80% | 8.90% | 10.51% | 13.06% | Beats 54% | 341 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.13% | 61.31% | 78.27% | 90.78% | 84th pctl | 118 / 746 | ||
| Loans / Assets | 83.65% | 53.60% | 66.97% | 76.08% | 93rd pctl | 55 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||