Forrest City, AR · Cert 3863 · Bancshares of Eastern AR Inc.
National charter · OCC · 15 branches
Q2 2026
Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.2% share · #40 of 48 inst. · $0.1B of $46.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 1.35% | 1.13% | 0.84% | 0.97% | -9 bps | |
| Return on Equity | 9.94% | 12.45% | 10.22% | 7.70% | 8.96% | -98 bps | |
| Net Interest Margin | 3.64% | 3.93% | 3.82% | 3.57% | 3.78% | +14 bps | |
| Efficiency Ratio | 61.11% | 55.26% | 55.83% | 63.35% | 61.45% | +34 bps | |
| Non-Interest Burden | 2.10% | 2.02% | 2.00% | 2.14% | 2.21% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.22% | 6.25% | 5.70% | 8.44% | 3.66% | -56 bps | |
| Loan Growth (YoY) | 10.32% | 9.90% | 11.69% | 6.62% | 4.83% | -549 bps | |
| Deposit Growth (YoY) | 3.03% | 5.72% | 4.71% | 8.16% | 3.57% | +54 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.36% | 0.07% | 0.02% | 0.10% | 0.64% | +28 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.46% | 0.10% | 0.02% | 0.31% | +32 bps | |
| Allowance / Loans | 1.21% | 1.14% | 1.23% | 1.30% | 1.47% | +27 bps | |
| Allowance Coverage of NPLs | 3.3x | 16.7x | 62.0x | 12.4x | 2.3x | -1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.27% | 11.45% | 11.51% | 11.19% | 10.95% | -32 bps | |
| Total Risk-Based Capital | 11.27% | 11.45% | 11.51% | 11.19% | 10.95% | -32 bps | |
| Equity / Assets | 10.76% | 10.92% | 11.15% | 10.67% | 10.89% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.46% | 73.35% | 69.15% | 67.22% | 72.32% | +87 bps | |
| Liquid Assets / Assets | 17.59% | 16.48% | 20.24% | 21.93% | 17.10% | -50 bps | |
| CRE / Total Capital | n/a | 241% | 239% | 248% | n/a | n/a | |