Smackover State Bank
Smackover, AR · Cert 5623 · Peer group: banks under $1B in assets (n=573-620) · Smackover Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$252.4MAssets
$176.0MLoans
$210.4MDeposits
$26.1MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 86% of banks under $1B in assets (rank 89 of 620).
- Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets (rank 503 of 620).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.17%
Rank 245 of 620
Net Interest Margin
3.05%
Rank 457 of 620
Efficiency Ratio
52.69%
Rank 89 of 620
Equity / Assets
10.34%
Rank 333 of 620
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 86% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.60% | 1.00% | 1.45% | Beats 60% | 245 / 620 | |
| Return on Equity | 11.29% | 5.30% | 9.30% | 13.29% | Beats 63% | 231 / 620 | |
| Net Interest Margin | 3.05% | 3.02% | 3.53% | 4.04% | Beats 26% | 457 / 620 | |
| Efficiency Ratio | 52.69% | 58.35% | 68.08% | 79.37% | Beats 86% | 89 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.83% | 0.09% | 0.47% | 1.27% | Beats 36% | 369 / 573 | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.01% | 0.06% | Beats 30% | 402 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 11.04% | 11.27% | 13.87% | 18.78% | Beats 23% | 479 / 620 | |
| Total Risk-Based Capital Ratio | 11.04% | 11.69% | 14.57% | 19.67% | Beats 19% | 503 / 620 | |
| Equity / Assets | 10.34% | 9.03% | 10.60% | 13.73% | Beats 46% | 333 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 83.66% | 65.08% | 79.69% | 92.47% | 56th pctl | 259 / 585 | |
| Loans / Assets | 69.75% | 51.85% | 67.17% | 77.86% | 57th pctl | 269 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |