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 (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 | 1.02% | 0.70% | 0.91% | 1.05% | 1.10% | 1.27% | 1.01% | 1.16% | +11 bps | |
| Return on Equity | 10.56% | 7.34% | 10.03% | 11.97% | 12.58% | 14.47% | 11.18% | 12.56% | +59 bps | |
| Net Interest Margin | 3.26% | 3.31% | 3.28% | 3.51% | 3.60% | 3.64% | 3.45% | 3.57% | +6 bps | |
| Efficiency Ratio | 68.64% | 69.82% | 63.71% | 60.72% | 63.23% | 60.05% | 63.92% | 59.31% | -141 bps | |
| Non-Interest Burden | 2.06% | 2.13% | 1.90% | 1.92% | 2.08% | 1.97% | 2.01% | 1.89% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.81% | 13.80% | 17.19% | 18.42% | 22.50% | 18.17% | 18.08% | 13.82% | -460 bps | |
| Loan Growth (YoY) | 9.06% | 13.10% | 16.26% | 21.57% | 26.86% | 17.40% | 14.64% | 12.04% | -953 bps | |
| Deposit Growth (YoY) | 12.06% | 13.91% | 18.82% | 23.11% | 24.02% | 20.84% | 19.10% | 14.55% | -857 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.04% | 0.03% | 0.03% | 0.00% | 0.00% | 0.04% | +1 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.04% | 0.05% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | +2 bps | |
| Allowance / Loans | 1.23% | 1.19% | 1.17% | 1.16% | 1.15% | 1.16% | 1.16% | 1.17% | +1 bps | |
| Allowance Coverage of NPLs | n/a | 233.0x | 31.8x | 38.4x | 39.8x | n/a | 762.4x | 29.8x | -8.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.11% | 9.84% | 9.35% | 9.12% | 8.94% | 8.98% | 9.65% | 9.57% | +44 bps | |
| Total Risk-Based Capital | 13.54% | 12.75% | 12.32% | 11.71% | 11.74% | 12.03% | 13.04% | 13.17% | +146 bps | |
| Equity / Assets | 9.81% | 9.21% | 8.88% | 8.69% | 8.72% | 8.86% | 9.14% | 9.34% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.36% | 98.30% | 94.84% | 96.54% | 97.55% | 95.50% | 91.29% | 94.43% | -211 bps | |
| Liquid Assets / Assets | 2.22% | 0.53% | 2.49% | 0.94% | 0.92% | 2.25% | 4.26% | 2.25% | +131 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 487% | 463% | 423% | n/a | n/a | |