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 (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 | 1.28% | 1.64% | 1.58% | 1.63% | 1.38% | 1.33% | 1.17% | 1.28% | -36 bps | |
| Return on Equity | 12.24% | 15.88% | 15.41% | 15.86% | 13.29% | 12.86% | 11.50% | 12.82% | -304 bps | |
| Net Interest Margin | 4.49% | 4.72% | 4.65% | 4.81% | 4.62% | 4.84% | 4.30% | 4.59% | -21 bps | |
| Efficiency Ratio | 62.21% | 60.40% | 59.75% | 55.86% | 63.28% | 61.55% | 67.16% | 63.62% | +776 bps | |
| Non-Interest Burden | 2.64% | 2.57% | 2.58% | 2.48% | 2.74% | 2.72% | 2.74% | 2.75% | +27 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 | 0.00% | -0.84% | 0.04% | 0.11% | 0.07% | 0.48% | 0.07% | 0.15% | +4 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 | |