Huntsville, AR · Cert 33470 · Mathias Bancshares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 0.8% share · #17 of 42 inst. · $0.2B of $20.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | -1.19% | 0.52% | 0.53% | 0.48% | 0.63% | 0.56% | 0.62% | +9 bps | |
| Return on Equity | 5.79% | -16.82% | 7.58% | 7.70% | 6.61% | 8.38% | 7.37% | 7.95% | +25 bps | |
| Net Interest Margin | 3.25% | 3.24% | 3.22% | 3.25% | 3.38% | 3.58% | 3.56% | 3.55% | +31 bps | |
| Efficiency Ratio | 85.13% | 84.07% | 81.38% | 81.48% | 83.37% | 77.65% | 77.58% | 79.64% | -184 bps | |
| Non-Interest Burden | 2.74% | 2.69% | 2.58% | 2.59% | 2.78% | 2.76% | 2.72% | 2.79% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.11% | -0.33% | 4.04% | 1.05% | -2.50% | 4.38% | 0.69% | 1.40% | +36 bps | |
| Loan Growth (YoY) | 3.92% | 0.69% | -2.78% | -7.62% | -8.83% | -2.19% | 1.91% | 7.70% | +1,532 bps | |
| Deposit Growth (YoY) | 5.89% | 1.54% | 6.08% | 3.27% | -0.85% | 4.52% | -0.52% | -1.94% | -521 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.72% | 1.66% | 1.60% | 0.04% | 0.26% | 0.23% | 0.58% | 0.74% | +70 bps | |
| Net Charge-Offs / Loans | 0.00% | 3.15% | 0.00% | 0.01% | 0.05% | 0.31% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.37% | 1.22% | 1.23% | 1.27% | 1.30% | 1.24% | 1.25% | 1.22% | -5 bps | |
| Allowance Coverage of NPLs | 1.9x | 0.7x | 0.8x | 33.6x | 5.0x | 5.3x | 2.2x | 1.7x | -31.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.07% | 8.85% | 8.98% | 8.93% | 9.17% | 9.21% | 9.33% | 9.54% | +61 bps | |
| Total Risk-Based Capital | 13.87% | 14.04% | 14.00% | 14.62% | 15.26% | 14.63% | 14.86% | 15.06% | +44 bps | |
| Equity / Assets | 7.40% | 6.70% | 6.89% | 6.83% | 7.62% | 7.51% | 7.71% | 7.80% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.92% | 83.48% | 80.59% | 76.31% | 77.17% | 78.12% | 82.55% | 83.81% | +750 bps | |
| Liquid Assets / Assets | 6.93% | 5.97% | 8.26% | 9.74% | 7.36% | 6.31% | 4.12% | 4.60% | -514 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 374% | 378% | 389% | n/a | n/a | |