Smackover State Bank
Smackover, AR · Cert 5623 · Peer group: banks under $1B in assets (n=581-629) · 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 92 of 629).
- Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets (rank 508 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.17%
Rank 253 of 629
Net Interest Margin
3.05%
Rank 466 of 629
Efficiency Ratio
52.69%
Rank 92 of 629
Equity / Assets
10.34%
Rank 348 of 629
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% | 1.01% | 1.45% | Beats 60% | 253 / 629 | |
| Return on Equity | 11.29% | 5.38% | 9.30% | 13.28% | Beats 62% | 237 / 629 | |
| Net Interest Margin | 3.05% | 3.03% | 3.54% | 4.05% | Beats 26% | 466 / 629 | |
| Efficiency Ratio | 52.69% | 58.35% | 67.79% | 79.08% | Beats 86% | 92 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.83% | 0.09% | 0.46% | 1.20% | Beats 35% | 378 / 581 | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.01% | 0.06% | Beats 31% | 401 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 11.04% | 11.24% | 13.84% | 18.77% | Beats 23% | 483 / 629 | |
| Total Risk-Based Capital Ratio | 11.04% | 11.58% | 14.43% | 19.66% | Beats 19% | 508 / 629 | |
| Equity / Assets | 10.34% | 9.09% | 10.65% | 13.80% | Beats 45% | 348 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 83.66% | 67.24% | 80.90% | 93.48% | 54th pctl | 276 / 594 | |
| Loans / Assets | 69.75% | 53.31% | 67.71% | 78.15% | 55th pctl | 280 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |