Bank of 1889
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
$339.2MAssets
$262.6MLoans
$298.8MDeposits
$37.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 98% of banks under $1B in assets (rank 12 of 629).
- Widest gap: total risk-based capital ratio trails 83% of banks under $1B in assets (rank 523 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $11.4M · efficiency ratio beats 63% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |