Fayetteville, AR · Cert 89 · White River Bancshares Co.
State charter, Fed member · FED · 10 branches
Q2 2026
Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 5.9% share · #3 of 42 inst. · $1.2B of $20.2B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 1.02% | 1.09% | 1.01% | 1.09% | +11 bps | |
| Return on Equity | 11.02% | 11.54% | 12.30% | 11.18% | 11.96% | +94 bps | |
| Net Interest Margin | 3.32% | 3.32% | 3.32% | 3.45% | 3.45% | +13 bps | |
| Efficiency Ratio | 62.14% | 62.53% | 61.85% | 63.92% | 61.54% | -60 bps | |
| Non-Interest Burden | 1.87% | 1.89% | 1.86% | 2.01% | 1.92% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.42% | 22.50% | 18.17% | 18.08% | 13.82% | -460 bps | |
| Loan Growth (YoY) | 21.57% | 26.86% | 17.40% | 14.64% | 12.04% | -953 bps | |
| Deposit Growth (YoY) | 23.11% | 24.02% | 20.84% | 19.10% | 14.55% | -857 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.00% | 0.00% | 0.04% | +1 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.01% | 0.01% | 0.01% | -1 bps | |
| Allowance / Loans | 1.16% | 1.15% | 1.16% | 1.16% | 1.17% | +1 bps | |
| Allowance Coverage of NPLs | 38.4x | 39.8x | n/a | 762.4x | 29.8x | -8.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.12% | 8.94% | 8.98% | 9.65% | 9.57% | +44 bps | |
| Total Risk-Based Capital | 11.71% | 11.74% | 12.03% | 13.04% | 13.17% | +146 bps | |
| Equity / Assets | 8.69% | 8.72% | 8.86% | 9.14% | 9.34% | +65 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.54% | 97.55% | 95.50% | 91.29% | 94.43% | -211 bps | |
| Liquid Assets / Assets | 0.94% | 0.92% | 2.25% | 4.26% | 2.25% | +131 bps | |
| CRE / Total Capital | n/a | 487% | 463% | 423% | n/a | n/a | |