Stamps, AR · Cert 5624 · Bodcaw Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Texarkana, TX-AR · 2026 SOD (annual) · 1.7% share · #12 of 19 inst. · $0.1B of $3.1B
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 | 1.02% | 1.20% | 1.02% | 1.34% | 0.01% | 1.37% | 1.23% | 1.18% | -16 bps | |
| Return on Equity | 10.94% | 12.69% | 10.82% | 13.88% | 0.14% | 13.83% | 12.18% | 11.44% | -244 bps | |
| Net Interest Margin | 3.91% | 4.04% | 4.11% | 4.25% | 4.27% | 4.24% | 4.21% | 4.28% | +3 bps | |
| Efficiency Ratio | 63.43% | 65.07% | 58.97% | 54.32% | 57.30% | 61.91% | 58.00% | 60.67% | +635 bps | |
| Non-Interest Burden | 2.35% | 2.48% | 2.30% | 2.14% | 2.31% | 2.49% | 2.31% | 2.46% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.00% | -1.66% | -0.72% | -2.51% | 3.06% | 4.44% | 5.55% | 3.49% | +600 bps | |
| Loan Growth (YoY) | -0.93% | -2.87% | -2.12% | 0.82% | 4.81% | 4.28% | 4.20% | -0.70% | -152 bps | |
| Deposit Growth (YoY) | 1.97% | 1.50% | 1.67% | -3.81% | 2.51% | 3.53% | 4.90% | 3.97% | +778 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.74% | 0.71% | 1.66% | 2.38% | 1.53% | 1.65% | 1.04% | 1.38% | -100 bps | |
| Net Charge-Offs / Loans | 0.26% | 0.13% | 0.59% | 0.40% | 1.30% | 1.91% | 0.02% | 0.00% | -41 bps | |
| Allowance / Loans | 1.28% | 1.31% | 1.26% | 1.26% | 1.29% | 0.99% | 1.08% | 1.19% | -7 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.9x | 0.8x | 0.5x | 0.8x | 0.6x | 1.0x | 0.9x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.02% | 9.93% | 10.24% | 10.47% | 10.18% | 10.48% | 10.66% | 10.89% | +42 bps | |
| Total Risk-Based Capital | 10.02% | 9.93% | 10.24% | 10.47% | 10.18% | 10.48% | 10.66% | 10.89% | +42 bps | |
| Equity / Assets | 9.61% | 9.36% | 9.53% | 9.84% | 9.70% | 10.10% | 10.09% | 10.60% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.93% | 96.61% | 96.33% | 98.17% | 98.09% | 97.31% | 95.70% | 93.76% | -440 bps | |
| Liquid Assets / Assets | 0.10% | 0.11% | 0.11% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 347% | 338% | 309% | n/a | n/a | |