PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Signature Bank of Arkansas

Fayetteville, AR · Cert 89 · White River Bancshares Co.

State charter, Fed member · FED · 10 branches

Q2 2026

$1.6BAssets
$1.4BLoans
$1.4BDeposits
$152.4MEquity
Loan mix
86%RE $1.1B13%C&I $0.2B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $1.2B18%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.75%Q2 ’246.01%Q2 ’255.90%Q2 ’26+10%+2%

Non-interest income vs. expense

2.68%Q2 ’242.49%Q2 ’252.47%Q2 ’26-6%-2%

Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 5.9% share · #3 of 42 inst. · $1.2B of $20.2B

9.5% Washington
3.1% Benton
49.6% Monroe
1.8% Craighead

Executive Summary

  • Earnings: ROA of 1.16%, up 11 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.04% of loans (+1 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.57%, up 44 bps from a year ago.
  • Funding: loans stand at 94.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.16%+11 bps YoY

Net Interest Margin (quarter, annualized)

3.57%+6 bps YoY

Efficiency Ratio (quarter, annualized)

59.31%-141 bps YoY

Tier 1 Leverage Ratio

9.57%+44 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.10%1.27%1.01%1.16%+11 bps
Return on Equity11.97%12.58%14.47%11.18%12.56%+59 bps
Net Interest Margin3.51%3.60%3.64%3.45%3.57%+6 bps
Efficiency Ratio60.72%63.23%60.05%63.92%59.31%-141 bps
Non-Interest Burden1.92%2.08%1.97%2.01%1.89%-3 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 / Loans0.03%0.03%0.00%0.00%0.04%+1 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.01%0.01%+2 bps
Allowance / Loans1.16%1.15%1.16%1.16%1.17%+1 bps
Allowance Coverage of NPLs38.4x39.8xn/a762.4x29.8x-8.7x
Capital
Tier 1 Leverage Ratio9.12%8.94%8.98%9.65%9.57%+44 bps
Total Risk-Based Capital11.71%11.74%12.03%13.04%13.17%+146 bps
Equity / Assets8.69%8.72%8.86%9.14%9.34%+65 bps
Liquidity & Funding
Loans / Deposits96.54%97.55%95.50%91.29%94.43%-211 bps
Liquid Assets / Assets0.94%0.92%2.25%4.26%2.25%+131 bps
CRE / Total Capitaln/a487%463%423%n/an/a