Walnut Ridge, AR · Cert 3896 · First National Capital Corp.
National charter · OCC · 6 branches
Q2 2026
Market Position · Jonesboro, AR · 2026 SOD (annual) · 0.4% share · #23 of 25 inst. · $0.0B of $4.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 1.12% | 0.64% | 0.71% | 0.67% | 1.26% | 1.09% | 1.29% | +58 bps | |
| Return on Equity | 7.87% | 14.78% | 8.67% | 9.56% | 8.63% | 15.09% | 13.22% | 15.29% | +572 bps | |
| Net Interest Margin | 2.80% | 3.01% | 2.99% | 3.06% | 3.21% | 3.36% | 3.45% | 3.67% | +62 bps | |
| Efficiency Ratio | 78.40% | 64.33% | 78.38% | 75.73% | 73.76% | 54.77% | 63.74% | 62.29% | -1,344 bps | |
| Non-Interest Burden | 2.08% | 1.64% | 2.21% | 2.19% | 2.22% | 1.58% | 1.97% | 2.10% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.45% | 1.66% | -0.74% | -0.38% | 0.63% | 3.43% | 7.25% | 3.74% | +412 bps | |
| Loan Growth (YoY) | 2.95% | -0.75% | 1.48% | -0.26% | 5.72% | 13.49% | 18.87% | 24.28% | +2,454 bps | |
| Deposit Growth (YoY) | 7.43% | 1.55% | -1.44% | -0.79% | 0.63% | 1.88% | 6.58% | 2.19% | +298 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.28% | 0.26% | 0.16% | 0.37% | 0.31% | 0.25% | 0.17% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.39% | 0.06% | -0.01% | 0.12% | -0.02% | 0.04% | -1 bps | |
| Allowance / Loans | 0.99% | 1.02% | 0.90% | 0.88% | 0.96% | 0.98% | 1.00% | 0.93% | +5 bps | |
| Allowance Coverage of NPLs | 4.2x | 3.7x | 3.5x | 5.4x | 2.6x | 3.2x | 4.0x | 5.6x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.02% | 10.15% | 10.17% | 10.29% | 10.45% | 10.45% | 10.23% | 10.65% | +36 bps | |
| Total Risk-Based Capital | 10.02% | 10.15% | 10.17% | 10.29% | 10.45% | 10.45% | 10.23% | 10.65% | +36 bps | |
| Equity / Assets | 7.95% | 7.21% | 7.50% | 7.34% | 8.09% | 8.55% | 7.96% | 8.91% | +157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.80% | 47.38% | 47.63% | 48.29% | 51.27% | 52.78% | 53.13% | 58.73% | +1,044 bps | |
| Liquid Assets / Assets | 4.36% | 4.85% | 2.59% | 2.85% | 3.15% | 4.90% | 6.79% | 2.19% | -67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 70.31% | 80.37% | 88.84% | n/a | n/a | |