Pine Bluff, AR · Charter 7700
NCUA · 1 branch
Q1 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.67% | 1.54% | 1.03% | 0.50% | 1.37% | 1.70% | 0.69% | -3.89% | -438 bps | |
| Return on Equity | 19.09% | 17.34% | 15.31% | 7.41% | 19.89% | 22.72% | 9.95% | -51.98% | -5,939 bps | |
| Net Interest Margin | 5.43% | 5.29% | 5.42% | 4.55% | 4.17% | 4.34% | 2.08% | 4.02% | -53 bps | |
| Efficiency Ratio | 70.59% | 72.06% | 76.11% | 89.69% | 89.42% | 75.94% | 89.42% | 221% | +13,175 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.42% | -14.70% | -13.66% | -10.05% | 5.53% | 3.42% | 8.82% | 5.84% | +1,589 bps | |
| Loan Growth (YoY) | -17.35% | -19.16% | -24.86% | -20.80% | -11.34% | -10.59% | -1.83% | -3.81% | +1,698 bps | |
| Share Growth (YoY) | -13.66% | -12.83% | -8.45% | -3.86% | 7.71% | 6.94% | 8.89% | 6.92% | +1,077 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.79% | 1.75% | 1.06% | 1.24% | 0.76% | 0.69% | 0.76% | 0.69% | -54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.60% | 4.35% | 3.69% | 2.95% | 3.04% | 2.95% | 3.04% | -65 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.73% | 8.90% | 6.75% | 6.69% | 6.89% | 7.48% | 6.89% | 7.48% | +79 bps | |
| Net Worth / Assets | 8.73% | 8.90% | 6.75% | 6.69% | 6.89% | 7.48% | 6.89% | 7.48% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.78% | 64.88% | 61.88% | 60.29% | 55.79% | 54.24% | 55.79% | 54.24% | -605 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |