Paragould, AR · Cert 3887 · First Paragould Bankshares Inc.
National charter · OCC · 23 branches
Q2 2026
Market Position · Jonesboro, AR · 2026 SOD (annual) · 8.2% share · #4 of 25 inst. · $0.4B of $4.7B
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 | 1.05% | 1.02% | 1.05% | 1.06% | 1.08% | 1.02% | 1.11% | 1.20% | +13 bps | |
| Return on Equity | 9.39% | 9.18% | 9.47% | 9.57% | 9.63% | 9.16% | 9.78% | 10.46% | +89 bps | |
| Net Interest Margin | 3.08% | 3.07% | 3.16% | 3.20% | 3.27% | 3.26% | 3.50% | 3.56% | +36 bps | |
| Efficiency Ratio | 61.95% | 63.06% | 60.85% | 59.07% | 58.39% | 58.93% | 58.38% | 57.43% | -165 bps | |
| Non-Interest Burden | 1.65% | 1.70% | 1.69% | 1.64% | 1.66% | 1.66% | 1.80% | 1.79% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.35% | 4.13% | 4.14% | 4.70% | 4.68% | 3.24% | 1.88% | 3.18% | -152 bps | |
| Loan Growth (YoY) | 1.25% | 2.22% | 3.89% | 3.04% | 4.08% | 3.62% | 4.17% | 5.53% | +249 bps | |
| Deposit Growth (YoY) | -0.05% | 2.64% | 3.20% | 4.77% | 4.60% | 3.02% | 2.03% | 2.65% | -213 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.36% | 0.36% | 0.38% | 0.32% | 0.20% | 0.18% | 0.19% | -19 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.14% | 0.02% | 0.04% | 0.05% | 0.05% | -0.01% | -0.01% | -5 bps | |
| Allowance / Loans | 1.16% | 1.20% | 1.22% | 1.28% | 1.37% | 1.52% | 1.61% | 1.66% | +38 bps | |
| Allowance Coverage of NPLs | 3.5x | 3.3x | 3.3x | 3.4x | 4.3x | 7.7x | 8.9x | 8.7x | +5.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.90% | 10.64% | 10.71% | 10.80% | 10.88% | 10.67% | 10.96% | 11.12% | +32 bps | |
| Total Risk-Based Capital | 14.93% | 14.58% | 14.60% | 14.72% | 14.83% | 14.80% | 14.89% | 14.68% | -5 bps | |
| Equity / Assets | 11.40% | 11.06% | 11.02% | 11.30% | 11.27% | 11.31% | 11.41% | 11.59% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.10% | 95.49% | 95.09% | 96.78% | 96.61% | 96.05% | 97.09% | 99.49% | +272 bps | |
| Liquid Assets / Assets | 5.95% | 7.02% | 7.73% | 6.43% | 6.25% | 6.38% | 5.54% | 4.57% | -187 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 340% | 344% | 348% | n/a | n/a | |