Bradley, AR · Cert 5619 · Power Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Texarkana, TX-AR · 2026 SOD (annual) · 0.7% share · #15 of 19 inst. · $0.0B of $3.1B
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 | 0.35% | 0.35% | 0.19% | 0.43% | 0.57% | 0.70% | 0.64% | 0.83% | +40 bps | |
| Return on Equity | 2.43% | 2.40% | 1.39% | 3.37% | 4.59% | 5.79% | 5.99% | 7.91% | +454 bps | |
| Net Interest Margin | 3.82% | 3.71% | 4.08% | 4.00% | 3.89% | 3.87% | 4.10% | 4.14% | +13 bps | |
| Efficiency Ratio | 85.19% | 84.36% | 88.90% | 79.04% | 75.61% | 72.63% | 74.41% | 69.37% | -968 bps | |
| Non-Interest Burden | 3.17% | 3.06% | 3.57% | 3.09% | 2.86% | 2.72% | 2.97% | 2.77% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 49.34% | 55.74% | 66.96% | 53.93% | 41.71% | 33.02% | 29.43% | 21.95% | -3,198 bps | |
| Loan Growth (YoY) | 50.80% | 60.91% | 60.23% | 71.58% | 53.36% | 42.60% | 32.93% | 20.40% | -5,118 bps | |
| Deposit Growth (YoY) | 50.25% | 57.89% | 71.10% | 55.29% | 48.53% | 37.78% | 32.90% | 18.06% | -3,723 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.25% | 0.21% | 0.61% | 0.29% | 0.10% | 0.00% | 0.00% | 0.00% | -29 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | 0.01% | 0.01% | 0.00% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.93% | 0.87% | 0.83% | 0.85% | 0.95% | 0.82% | 0.84% | 0.89% | +4 bps | |
| Allowance Coverage of NPLs | 3.8x | 4.2x | 1.4x | 3.0x | 10.0x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.42% | 14.74% | 12.89% | 11.44% | 10.78% | 10.47% | 10.20% | 9.98% | -146 bps | |
| Total Risk-Based Capital | 20.58% | 17.74% | 15.19% | 11.44% | 10.78% | 10.47% | 10.20% | 9.98% | -146 bps | |
| Equity / Assets | 15.49% | 14.20% | 12.59% | 11.88% | 11.22% | 11.09% | 10.17% | 10.18% | -170 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.25% | 97.46% | 97.04% | 101.29% | 96.29% | 100.87% | 97.06% | 103.29% | +201 bps | |
| Liquid Assets / Assets | 14.04% | 9.72% | 8.88% | 5.21% | 8.72% | 5.08% | 7.42% | 6.66% | +145 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 312% | 381% | 417% | n/a | n/a | |