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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.67% | 0.71% | 0.89% | 0.94% | +32 bps | |
| Return on Equity | 6.08% | 6.64% | 7.01% | 8.78% | 9.05% | +297 bps | |
| Net Interest Margin | 3.73% | 3.82% | 3.78% | 4.07% | 4.15% | +42 bps | |
| Efficiency Ratio | 77.13% | 75.20% | 74.64% | 70.97% | 71.11% | -602 bps | |
| Non-Interest Burden | 2.84% | 2.82% | 2.77% | 2.85% | 2.90% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.85% | 7.32% | 2.90% | 9.60% | -0.25% | -611 bps | |
| Loan Growth (YoY) | 3.21% | 4.81% | 5.18% | 2.40% | 0.51% | -270 bps | |
| Deposit Growth (YoY) | 8.72% | 9.77% | 9.23% | 15.71% | 2.83% | -589 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.18% | 0.14% | 0.13% | 0.12% | 0.10% | -8 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.05% | -0.03% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.48% | 1.49% | 1.52% | 1.57% | 1.58% | +10 bps | |
| Allowance Coverage of NPLs | 8.2x | 10.9x | 12.1x | 13.3x | 15.3x | +7.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.40% | 10.50% | 10.28% | 10.37% | 10.66% | +26 bps | |
| Total Risk-Based Capital | 13.80% | 13.41% | 13.80% | 14.34% | 14.69% | +89 bps | |
| Equity / Assets | 10.19% | 10.01% | 10.46% | 9.87% | 10.80% | +61 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.32% | 98.05% | 97.31% | 87.67% | 95.13% | -219 bps | |
| Liquid Assets / Assets | 4.82% | 3.46% | 3.37% | 11.51% | 4.02% | -80 bps | |
| CRE / Total Capital | n/a | 400% | 398% | 379% | n/a | n/a | |