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 | |