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Smackover State Bank

Smackover, AR · Cert 5623 · Smackover Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$252.4MAssets
$176.0MLoans
$210.4MDeposits
$26.1MEquity
Loan mix
85%RE $146.3M11%C&I $19.2M4%Consumer $6.5MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $164.3M22%Noninterest $46.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.17%, up 34 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.83% of loans (+32 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.04%, up 63 bps from a year ago.
  • Funding: loans stand at 83.66% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.17%+34 bps YoY

Net Interest Margin (quarter, annualized)

3.12%+59 bps YoY

Efficiency Ratio (quarter, annualized)

54.10%-515 bps YoY

Tier 1 Leverage Ratio

11.04%+63 bps YoY

NIM

4.07%Q2 ’244.91%Q2 ’255.18%Q2 ’26+44%+23%

Non-interest income vs. expense

2.01%Q2 ’241.71%Q2 ’251.89%Q2 ’26-21%+12%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.68%0.76%0.83%1.16%1.23%1.18%1.17%+34 bps
Return on Equity4.69%6.94%8.22%9.00%12.11%12.52%11.71%11.36%+236 bps
Net Interest Margin1.81%2.37%2.36%2.53%2.77%2.90%2.98%3.12%+59 bps
Efficiency Ratio78.95%69.25%64.72%59.25%45.87%60.03%51.20%54.10%-515 bps
Non-Interest Burden1.35%1.52%1.40%1.35%1.15%1.57%1.36%1.51%+16 bps
Growth
Asset Growth (YoY)4.57%6.23%8.95%12.86%9.88%5.90%0.20%-1.45%-1,431 bps
Loan Growth (YoY)12.70%16.67%22.93%24.32%22.40%15.07%6.03%3.56%-2,075 bps
Deposit Growth (YoY)1.59%2.26%5.11%7.09%5.92%6.00%1.19%2.11%-498 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.24%0.25%0.50%0.12%0.78%1.27%0.83%+32 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.06%0.00%0.18%0.12%0.04%-2 bps
Allowance / Loans0.85%0.87%0.75%0.75%0.84%0.86%0.81%0.83%+8 bps
Allowance Coverage of NPLs4.3x3.6x3.0x1.5x6.8x1.1x0.6x1.0x-0.5x
Capital
Tier 1 Leverage Ratio11.00%11.12%10.52%10.41%10.53%10.57%10.79%11.04%+63 bps
Total Risk-Based Capital11.00%11.12%10.52%10.41%10.53%10.57%10.79%11.04%+63 bps
Equity / Assets10.04%9.59%9.02%9.40%9.73%9.95%10.26%10.34%+94 bps
Liquidity & Funding
Loans / Deposits72.95%77.70%79.42%82.48%84.31%84.35%83.22%83.66%+117 bps
Liquid Assets / Assets18.83%18.25%16.31%15.38%15.00%15.08%15.01%14.13%-125 bps
CRE / Total Capitaln/an/an/an/a184.03%190.49%193.79%n/an/a