Dumas, AR · Cert 8735 · M&F Financial Corp.
State charter, Fed member · FED · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
18
Profitability
71
Liquidity
53
Efficiency
58
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Dumas, AR · Cert 8735 · M&F Financial Corp.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.2% share · #29 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 | 1.26% | 1.36% | 1.58% | 1.60% | 1.53% | 1.48% | 1.17% | 1.22% | -38 bps | |
| Return on Equity | 11.97% | 13.05% | 15.41% | 15.64% | 14.82% | 14.42% | 11.50% | 12.17% | -348 bps | |
| Net Interest Margin | 4.22% | 4.29% | 4.65% | 4.67% | 4.52% | 4.59% | 4.30% | 4.40% | -27 bps | |
| Efficiency Ratio | 62.81% | 62.13% | 59.75% | 57.75% | 59.64% | 60.16% | 67.16% | 65.32% | +757 bps | |
| Non-Interest Burden | 2.46% | 2.46% | 2.58% | 2.50% | 2.51% | 2.56% | 2.74% | 2.71% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.83% | 7.58% | 10.64% | 9.49% | 9.27% | 6.42% | 8.40% | 9.23% | -27 bps | |
| Loan Growth (YoY) | 4.30% | 9.95% | 7.09% | 10.31% | 9.34% | 5.93% | 7.96% | 6.75% | -355 bps | |
| Deposit Growth (YoY) | 3.09% | 7.94% | 11.07% | 9.92% | 9.78% | 6.73% | 13.81% | 10.37% | +45 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.47% | 1.27% | 0.43% | 0.71% | 1.50% | 3.42% | 2.40% | +197 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.22% | 0.04% | 0.08% | 0.07% | 0.18% | 0.07% | 0.11% | +3 bps | |
| Allowance / Loans | 1.16% | 1.42% | 1.28% | 1.31% | 1.31% | 1.37% | 1.26% | 1.27% | -4 bps | |
| Allowance Coverage of NPLs | 8.9x | 3.0x | 1.0x | 3.1x | 1.9x | 0.9x | 0.4x | 0.5x | -2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.01% | 10.45% | 10.76% | 10.92% | 10.79% | 10.20% | 10.62% | 10.74% | -18 bps | |
| Total Risk-Based Capital | 14.33% | 14.00% | 14.17% | 14.18% | 14.19% | 13.89% | 13.60% | 13.58% | -60 bps | |
| Equity / Assets | 10.56% | 10.14% | 10.31% | 10.28% | 10.45% | 10.25% | 10.07% | 9.86% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.62% | 96.42% | 93.59% | 94.52% | 95.23% | 95.69% | 88.78% | 91.42% | -310 bps | |
| Liquid Assets / Assets | 0.62% | 0.62% | 0.59% | 0.59% | 0.55% | 0.53% | 0.31% | 0.35% | -24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 327% | 334% | 362% | n/a | n/a | |
Dumas, AR · Cert 8735 · Peer group: banks under $1B in assets (n=581-629) · M&F Financial Corp.
State charter, Fed member · FED · 3 branches
Q2 2026
Return on Assets
1.17%
Rank 254 of 629
Net Interest Margin
4.40%
Rank 82 of 629
Efficiency Ratio
65.32%
Rank 267 of 629
Equity / Assets
9.86%
Rank 389 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.17% | 0.60% | 1.01% | 1.45% | Beats 60% | 254 / 629 | ||
| Return on Equity | 11.83% | 5.38% | 9.30% | 13.28% | Beats 66% | 217 / 629 | ||
| Net Interest Margin | 4.40% | 3.03% | 3.54% | 4.05% | Beats 87% | 82 / 629 | ||
| Efficiency Ratio | 65.32% | 58.35% | 67.79% | 79.08% | Beats 58% | 267 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.40% | 0.09% | 0.46% | 1.20% | Beats 10% | 521 / 581 | ||
| Net Charge-Offs / Loans | 0.06% | n/a | 0.01% | 0.06% | Beats 26% | 434 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.33% | 11.24% | 13.84% | 18.77% | Beats 37% | 399 / 629 | ||
| Total Risk-Based Capital Ratio | 13.58% | 11.58% | 14.43% | 19.66% | Beats 43% | 356 / 629 | ||
| Equity / Assets | 9.86% | 9.09% | 10.65% | 13.80% | Beats 38% | 389 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.42% | 67.24% | 80.90% | 93.48% | 72nd pctl | 167 / 594 | ||
| Loans / Assets | 78.61% | 53.31% | 67.71% | 78.15% | 76th pctl | 148 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||