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 $0.0BQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $1.2B18%Noninterest $0.3BQ3 2024Q2 2026

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 1.09%, up 11 bps year over year; NIM at 3.45%.
  • 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.

Return on Assets (YTD, annualized)

1.09%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+13 bps YoY

Efficiency Ratio (YTD, annualized)

61.54%-60 bps YoY

Tier 1 Leverage Ratio

9.57%+44 bps YoY

NIM

5.58%Q2 ’245.81%Q2 ’255.78%Q2 ’26+10%+4%

Non-interest income vs. expense

2.72%Q2 ’242.42%Q2 ’252.48%Q2 ’26-13%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.69%0.91%0.98%1.02%1.09%1.01%1.09%+11 bps
Return on Equity7.50%7.49%10.03%11.02%11.54%12.30%11.18%11.96%+94 bps
Net Interest Margin3.06%3.03%3.28%3.32%3.32%3.32%3.45%3.45%+13 bps
Efficiency Ratio73.03%72.15%63.71%62.14%62.53%61.85%63.92%61.54%-60 bps
Non-Interest Burden2.10%2.04%1.90%1.87%1.89%1.86%2.01%1.92%+5 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 / Loans0.00%0.01%0.04%0.03%0.03%0.00%0.00%0.04%+1 bps
Net Charge-Offs / Loans0.01%0.00%0.05%0.02%0.02%0.01%0.01%0.01%-1 bps
Allowance / Loans1.23%1.19%1.17%1.16%1.15%1.16%1.16%1.17%+1 bps
Allowance Coverage of NPLsn/a233.0x31.8x38.4x39.8xn/a762.4x29.8x-8.7x
Capital
Tier 1 Leverage Ratio10.11%9.84%9.35%9.12%8.94%8.98%9.65%9.57%+44 bps
Total Risk-Based Capital13.54%12.75%12.32%11.71%11.74%12.03%13.04%13.17%+146 bps
Equity / Assets9.81%9.21%8.88%8.69%8.72%8.86%9.14%9.34%+65 bps
Liquidity & Funding
Loans / Deposits95.36%98.30%94.84%96.54%97.55%95.50%91.29%94.43%-211 bps
Liquid Assets / Assets2.22%0.53%2.49%0.94%0.92%2.25%4.26%2.25%+131 bps
CRE / Total Capitaln/an/an/an/a487%463%423%n/an/a