Morrilton, AR · Cert 35084 · Petit Jean Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
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 | 1.73% | 1.75% | 1.75% | 1.82% | 1.89% | 1.81% | 1.94% | 1.97% | +15 bps | |
| Return on Equity | 10.89% | 10.84% | 10.47% | 10.92% | 11.30% | 10.76% | 11.55% | 11.68% | +76 bps | |
| Net Interest Margin | 3.59% | 3.52% | 3.60% | 3.66% | 3.69% | 3.65% | 3.83% | 3.82% | +17 bps | |
| Efficiency Ratio | 42.32% | 42.62% | 42.68% | 41.98% | 40.83% | 41.64% | 40.20% | 39.95% | -203 bps | |
| Non-Interest Burden | 1.34% | 1.34% | 1.38% | 1.36% | 1.33% | 1.35% | 1.37% | 1.35% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.76% | -0.72% | 1.64% | 5.12% | 3.55% | 5.94% | 7.99% | 5.57% | +45 bps | |
| Loan Growth (YoY) | 12.80% | 7.03% | 7.35% | 6.87% | 5.36% | 11.29% | 15.20% | 9.72% | +285 bps | |
| Deposit Growth (YoY) | 0.72% | -1.35% | 1.72% | 3.91% | 2.13% | 5.42% | 8.56% | 5.96% | +205 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.26% | 0.10% | 0.11% | 0.63% | 0.61% | 0.59% | 0.63% | +51 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.00% | 0.14% | 0.10% | 0.07% | -0.01% | -0.01% | -15 bps | |
| Allowance / Loans | 1.93% | 2.07% | 2.05% | 1.88% | 1.81% | 1.94% | 1.87% | 1.88% | 0 bps | |
| Allowance Coverage of NPLs | 7.3x | 7.9x | 20.1x | 16.5x | 2.9x | 3.2x | 3.2x | 3.0x | -13.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.59% | 16.49% | 16.56% | 16.81% | 17.02% | 16.84% | 16.81% | 16.93% | +12 bps | |
| Total Risk-Based Capital | 16.59% | 16.49% | 16.56% | 16.81% | 17.02% | 16.84% | 16.81% | 16.93% | +12 bps | |
| Equity / Assets | 16.27% | 16.97% | 16.37% | 16.59% | 16.95% | 17.22% | 16.33% | 16.96% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.61% | 64.68% | 63.44% | 65.96% | 67.68% | 68.29% | 67.32% | 68.31% | +234 bps | |
| Liquid Assets / Assets | 40.56% | 40.58% | 43.46% | 40.79% | 40.56% | 39.82% | 39.81% | 38.84% | -195 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 144.35% | 141.41% | 148.03% | n/a | n/a | |