Berryville, AR · Cert 3854 · Bk 1889 Employee STK Ownership Tr
State charter, Fed member · FED · 12 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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
30
Asset Quality
26
Profitability
86
Liquidity
68
Efficiency
63
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.
Berryville, AR · Cert 3854 · Bk 1889 Employee STK Ownership Tr
State charter, Fed member · FED · 12 branches
Q2 2026
Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 0.2% share · #38 of 42 inst. · $0.0B 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 | 1.74% | 1.61% | 1.59% | 1.65% | 1.67% | 1.58% | 1.47% | 1.58% | -7 bps | |
| Return on Equity | 16.22% | 15.00% | 14.28% | 14.71% | 14.76% | 14.10% | 13.53% | 14.52% | -19 bps | |
| Net Interest Margin | 5.76% | 5.67% | 5.79% | 5.80% | 5.76% | 5.59% | 5.56% | 5.55% | -24 bps | |
| Efficiency Ratio | 61.60% | 64.43% | 63.84% | 63.81% | 63.46% | 65.26% | 64.09% | 63.42% | -39 bps | |
| Non-Interest Burden | 3.36% | 3.49% | 3.54% | 3.53% | 3.49% | 3.50% | 3.42% | 3.36% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.36% | 4.24% | 4.96% | 3.04% | 4.25% | 10.04% | 11.01% | 10.37% | +733 bps | |
| Loan Growth (YoY) | 12.51% | 12.32% | 8.76% | 10.57% | 10.69% | 5.54% | 6.42% | 5.13% | -544 bps | |
| Deposit Growth (YoY) | 1.32% | 3.21% | 4.34% | 2.18% | 6.21% | 10.37% | 11.41% | 10.95% | +878 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.27% | 1.85% | 1.58% | 1.05% | 1.11% | 1.00% | 0.94% | 0.84% | -21 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.08% | 0.14% | 0.11% | 0.12% | 0.16% | 0.15% | 0.17% | +6 bps | |
| Allowance / Loans | 1.13% | 1.10% | 1.13% | 1.11% | 1.12% | 1.11% | 1.15% | 1.13% | +2 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.6x | 0.7x | 1.1x | 1.0x | 1.1x | 1.2x | 1.3x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.31% | 10.83% | 11.45% | 11.43% | 11.69% | 10.81% | 11.10% | 10.85% | -59 bps | |
| Total Risk-Based Capital | 11.31% | 10.83% | 11.45% | 11.43% | 11.69% | 10.81% | 11.10% | 10.85% | -59 bps | |
| Equity / Assets | 11.08% | 10.92% | 11.39% | 11.34% | 11.65% | 10.70% | 11.04% | 10.93% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.01% | 91.55% | 91.75% | 92.75% | 92.77% | 87.54% | 87.65% | 87.88% | -487 bps | |
| Liquid Assets / Assets | 5.34% | 5.36% | 5.32% | 5.25% | 5.03% | 4.82% | 4.79% | 4.76% | -49 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 134.80% | 141.83% | 141.34% | n/a | n/a | |
Berryville, AR · Cert 3854 · Peer group: banks under $1B in assets (n=581-629) · Bk 1889 Employee STK Ownership Tr
State charter, Fed member · FED · 12 branches
Q2 2026
Return on Assets
1.56%
Rank 133 of 629
Net Interest Margin
5.55%
Rank 12 of 629
Efficiency Ratio
63.42%
Rank 236 of 629
Equity / Assets
10.93%
Rank 295 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.56% | 0.60% | 1.01% | 1.45% | Beats 79% | 133 / 629 | ||
| Return on Equity | 14.28% | 5.38% | 9.30% | 13.28% | Beats 80% | 124 / 629 | ||
| Net Interest Margin | 5.55% | 3.03% | 3.54% | 4.05% | Beats 98% | 12 / 629 | ||
| Efficiency Ratio | 63.42% | 58.35% | 67.79% | 79.08% | Beats 63% | 236 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.09% | 0.46% | 1.20% | Beats 35% | 379 / 581 | ||
| Net Charge-Offs / Loans | 0.11% | n/a | 0.01% | 0.06% | Beats 17% | 486 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.85% | 11.24% | 13.84% | 18.77% | Beats 20% | 504 / 629 | ||
| Total Risk-Based Capital Ratio | 10.85% | 11.58% | 14.43% | 19.66% | Beats 17% | 523 / 629 | ||
| Equity / Assets | 10.93% | 9.09% | 10.65% | 13.80% | Beats 53% | 295 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.88% | 67.24% | 80.90% | 93.48% | 64th pctl | 212 / 594 | ||
| Loans / Assets | 77.41% | 53.31% | 67.71% | 78.15% | 73rd pctl | 170 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||