Fort Smith, AR · Cert 3864 · First Bank Corp.
National charter · OCC · 1 affiliate bank · 26 branches (35 in holding)
Q2 2026
Market Position · Fort Smith, AR-OK · 2026 SOD (annual) · 23.3% share · #1 of 20 inst. · $1.4B of $6.0B
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 | 1.72% | 1.67% | 1.92% | 1.88% | 1.85% | 1.86% | 2.01% | 2.04% | +15 bps | |
| Return on Equity | 14.06% | 13.56% | 14.95% | 14.77% | 14.39% | 14.58% | 16.22% | 16.48% | +171 bps | |
| Net Interest Margin | 3.78% | 3.77% | 3.90% | 3.88% | 3.96% | 3.98% | 4.16% | 4.09% | +21 bps | |
| Efficiency Ratio | 52.42% | 52.80% | 50.37% | 48.70% | 49.03% | 49.82% | 47.93% | 47.66% | -105 bps | |
| Non-Interest Burden | 1.44% | 1.46% | 1.35% | 1.31% | 1.37% | 1.43% | 1.40% | 1.36% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.71% | 2.14% | 4.18% | 6.79% | 5.17% | 3.85% | 3.06% | 0.89% | -590 bps | |
| Loan Growth (YoY) | 8.30% | 4.93% | 5.18% | 5.16% | 2.89% | 4.94% | 3.68% | -0.07% | -523 bps | |
| Deposit Growth (YoY) | 2.67% | 4.32% | 3.39% | 6.18% | 4.44% | 4.45% | 4.34% | 2.17% | -401 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.24% | 0.25% | 0.21% | 0.25% | 0.26% | 0.27% | 0.44% | +23 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.04% | -0.03% | 0.01% | -0.03% | -0.02% | 0.02% | 0.03% | +3 bps | |
| Allowance / Loans | 1.19% | 1.25% | 1.24% | 1.29% | 1.37% | 1.37% | 1.40% | 1.43% | +14 bps | |
| Allowance Coverage of NPLs | 5.0x | 5.1x | 5.0x | 6.2x | 5.4x | 5.3x | 5.2x | 3.3x | -2.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.74% | 11.78% | 12.15% | 11.65% | 12.02% | 11.17% | 11.32% | 11.08% | -58 bps | |
| Total Risk-Based Capital | 11.74% | 11.78% | 12.15% | 11.65% | 12.02% | 11.17% | 11.32% | 11.08% | -58 bps | |
| Equity / Assets | 12.73% | 12.65% | 12.98% | 12.60% | 13.29% | 12.40% | 12.39% | 12.26% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.04% | 80.56% | 80.59% | 80.25% | 80.82% | 80.94% | 80.08% | 78.49% | -176 bps | |
| Liquid Assets / Assets | 11.89% | 13.80% | 14.59% | 11.74% | 11.52% | 10.45% | 9.49% | 8.32% | -342 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 356% | 383% | 377% | n/a | n/a | |