Rison, AR · Cert 8730 · Sigma Holdings Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.2% share · #31 of 42 inst. · $0.1B of $36.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.01% | 0.90% | 1.01% | 0.98% | 0.96% | 1.00% | 0.61% | -41 bps | |
| Return on Equity | 11.07% | 11.10% | 9.62% | 10.79% | 10.19% | 9.94% | 9.94% | 6.13% | -465 bps | |
| Net Interest Margin | 3.88% | 3.89% | 3.92% | 4.05% | 4.10% | 4.19% | 4.38% | 3.97% | -8 bps | |
| Efficiency Ratio | 63.58% | 64.09% | 69.97% | 67.72% | 69.29% | 69.52% | 66.67% | 77.63% | +991 bps | |
| Non-Interest Burden | 2.43% | 2.45% | 2.71% | 2.69% | 2.79% | 2.87% | 2.87% | 3.05% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.88% | 11.41% | 7.79% | 6.15% | -3.23% | -1.38% | -1.11% | 1.77% | -438 bps | |
| Loan Growth (YoY) | 19.38% | 12.53% | 3.93% | -1.52% | -8.09% | -5.37% | -2.32% | 2.23% | +374 bps | |
| Deposit Growth (YoY) | 26.08% | 15.21% | 12.27% | 11.50% | 2.22% | 3.06% | 0.69% | 3.46% | -804 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.40% | 2.48% | 2.79% | 2.84% | 4.38% | 3.45% | 3.12% | 3.96% | +112 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.06% | 0.02% | 0.01% | 0.09% | 0.23% | 0.16% | 0.08% | +6 bps | |
| Allowance / Loans | 1.16% | 1.23% | 1.30% | 1.33% | 1.30% | 1.14% | 1.17% | 1.17% | -16 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.5x | 0.5x | 0.3x | 0.3x | 0.4x | 0.3x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.46% | 9.37% | 9.55% | 9.41% | 9.96% | 10.18% | 10.30% | 9.65% | +24 bps | |
| Total Risk-Based Capital | 9.46% | 9.37% | 9.55% | 9.41% | 9.96% | 10.18% | 10.30% | 9.65% | +24 bps | |
| Equity / Assets | 9.25% | 9.34% | 9.46% | 9.42% | 10.21% | 10.01% | 10.13% | 9.68% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.75% | 110.77% | 101.51% | 100.03% | 102.28% | 101.70% | 98.48% | 98.84% | -119 bps | |
| Liquid Assets / Assets | 0.38% | 0.37% | 0.41% | 0.39% | 0.25% | 0.24% | 0.24% | 0.23% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 396% | 398% | 381% | n/a | n/a | |