Van Buren, AR · Cert 8738 · First Bank Corp.
State charter, Fed member · FED · 1 affiliate bank · 9 branches (35 in holding)
Q2 2026
Market Position · Fort Smith, AR-OK · 2026 SOD (annual) · 8.4% share · #4 of 20 inst. · $0.5B of $6.0B
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 | 1.26% | 1.35% | 1.33% | 1.54% | 1.44% | 1.55% | 1.53% | 1.57% | +3 bps | |
| Return on Equity | 12.04% | 12.74% | 12.67% | 14.40% | 13.10% | 13.85% | 13.93% | 14.41% | +1 bps | |
| Net Interest Margin | 3.17% | 3.27% | 3.36% | 3.53% | 3.59% | 3.63% | 3.53% | 3.73% | +19 bps | |
| Efficiency Ratio | 55.23% | 53.71% | 53.75% | 49.23% | 51.13% | 48.90% | 47.78% | 47.60% | -163 bps | |
| Non-Interest Burden | 1.51% | 1.50% | 1.58% | 1.46% | 1.59% | 1.52% | 1.41% | 1.52% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.42% | 2.16% | 3.15% | 1.11% | 1.93% | 3.55% | 4.40% | 4.54% | +343 bps | |
| Loan Growth (YoY) | 3.68% | 9.31% | 9.60% | 9.66% | 10.00% | 2.06% | 2.51% | -1.21% | -1,087 bps | |
| Deposit Growth (YoY) | 2.02% | 1.90% | 2.69% | 0.47% | 1.49% | 2.64% | 4.00% | 4.34% | +387 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.85% | 0.41% | 0.18% | 0.35% | 0.36% | 0.24% | 0.28% | 0.20% | -15 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.80% | 0.55% | 0.03% | -0.03% | 0.07% | -0.02% | 0.23% | +20 bps | |
| Allowance / Loans | 1.78% | 1.51% | 1.41% | 1.39% | 1.44% | 1.44% | 1.47% | 1.51% | +11 bps | |
| Allowance Coverage of NPLs | 2.1x | 3.6x | 7.9x | 4.0x | 4.0x | 6.0x | 5.2x | 7.5x | +3.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.93% | 11.74% | 12.02% | 11.76% | 12.27% | 11.83% | 11.99% | 11.78% | +2 bps | |
| Total Risk-Based Capital | 11.93% | 11.74% | 12.02% | 11.76% | 12.27% | 11.83% | 11.99% | 11.78% | +2 bps | |
| Equity / Assets | 10.94% | 10.26% | 10.74% | 10.61% | 11.34% | 11.00% | 11.02% | 10.78% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.84% | 64.24% | 64.43% | 65.24% | 65.95% | 63.88% | 63.50% | 61.77% | -347 bps | |
| Liquid Assets / Assets | 15.56% | 13.44% | 14.54% | 14.73% | 14.07% | 14.90% | 16.76% | 17.32% | +259 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 256% | 255% | 250% | n/a | n/a | |