Fayetteville, AR · Cert 8728 · Arvest Bank Group Inc.
State charter, Fed member · FED · 225 branches
Q2 2026
Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 43.0% share · #1 of 42 inst. · $8.7B of $20.2B
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 | 0.23% | 0.03% | 0.31% | 0.45% | 0.59% | 0.60% | 0.54% | 0.55% | +9 bps | |
| Return on Equity | 3.03% | 0.33% | 4.15% | 5.90% | 7.38% | 7.31% | 6.58% | 6.58% | +68 bps | |
| Net Interest Margin | 3.31% | 3.33% | 3.38% | 3.53% | 3.63% | 3.67% | 3.61% | 3.67% | +14 bps | |
| Efficiency Ratio | 87.81% | 91.37% | 86.08% | 83.93% | 82.22% | 83.13% | 83.03% | 79.93% | -400 bps | |
| Non-Interest Burden | 2.65% | 2.82% | 2.62% | 2.62% | 2.60% | 2.66% | 2.66% | 2.54% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.55% | -2.71% | 2.89% | 4.05% | 2.47% | 3.32% | 3.27% | 2.58% | -146 bps | |
| Loan Growth (YoY) | 4.89% | 5.02% | 8.93% | 8.73% | 8.18% | 8.12% | 6.55% | 7.03% | -170 bps | |
| Deposit Growth (YoY) | 9.38% | 8.89% | 3.80% | 5.07% | 3.38% | 2.61% | 2.81% | 1.89% | -318 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.76% | 0.81% | 0.81% | 0.87% | 0.83% | 0.82% | 0.90% | 0.86% | -1 bps | |
| Net Charge-Offs / Loans | 0.39% | 0.41% | 0.40% | 0.24% | 0.36% | 0.28% | 0.28% | 0.46% | +22 bps | |
| Allowance / Loans | 1.05% | 1.10% | 1.11% | 1.13% | 1.12% | 1.10% | 1.09% | 1.07% | -5 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.4x | 1.4x | 1.3x | 1.4x | 1.3x | 1.2x | 1.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.76% | 8.68% | 8.74% | 8.77% | 8.89% | 9.00% | 9.08% | 9.11% | +34 bps | |
| Total Risk-Based Capital | 12.28% | 12.24% | 12.29% | 12.31% | 12.39% | 12.46% | 12.59% | 12.48% | +17 bps | |
| Equity / Assets | 7.82% | 7.35% | 7.62% | 7.80% | 8.13% | 8.27% | 8.27% | 8.42% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.42% | 77.12% | 77.66% | 79.21% | 81.01% | 81.26% | 80.48% | 83.21% | +400 bps | |
| Liquid Assets / Assets | 1.30% | 1.94% | 2.52% | 1.39% | 1.07% | 2.57% | 2.65% | 0.39% | -100 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 281% | 288% | 285% | n/a | n/a | |