Little Rock, AR · Cert 91280 · Little Rock Bankshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
4
Asset Quality
24
Profitability
24
Liquidity
25
Efficiency
35
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Little Rock, AR · Cert 91280 · Little Rock Bankshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.6% share · #21 of 42 inst. · $0.2B of $36.9B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.01% | 0.20% | 0.32% | -2.15% | -1.31% | 0.97% | -1.25% | -158 bps | |
| Return on Equity | -0.02% | 0.07% | 2.75% | 3.97% | -26.63% | -16.16% | 11.69% | -15.36% | -1,932 bps | |
| Net Interest Margin | 1.98% | 2.02% | 2.37% | 2.56% | 2.95% | 3.15% | 3.64% | 3.85% | +128 bps | |
| Efficiency Ratio | 105.21% | 104.05% | 93.66% | 90.27% | 86.56% | 85.08% | 74.53% | 73.96% | -1,631 bps | |
| Non-Interest Burden | 2.15% | 2.15% | 2.13% | 2.15% | 2.31% | 2.48% | 2.29% | 2.32% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.88% | -0.74% | 0.87% | -1.56% | -8.32% | -9.94% | -13.36% | -13.10% | -1,154 bps | |
| Loan Growth (YoY) | 15.85% | 17.74% | 14.07% | 12.57% | -3.51% | -5.95% | -8.52% | -6.90% | -1,947 bps | |
| Deposit Growth (YoY) | -4.46% | 2.94% | 9.38% | 4.17% | -0.37% | -8.87% | -14.28% | -10.81% | -1,497 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.77% | 1.85% | 1.61% | 1.66% | 0.93% | 0.94% | 0.54% | 0.51% | -115 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.22% | 0.38% | 0.28% | 0.21% | 0.83% | 6.55% | +617 bps | |
| Allowance / Loans | 1.83% | 1.77% | 1.69% | 1.56% | 1.68% | 1.67% | 1.66% | 1.74% | +18 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.0x | 1.0x | 0.9x | 1.8x | 1.8x | 3.1x | 3.4x | +2.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 6.95% | 6.91% | 7.19% | 9.64% | 8.58% | 9.11% | 9.33% | 8.59% | -105 bps | |
| Total Risk-Based Capital | 13.57% | 13.28% | 14.02% | 18.15% | 15.86% | 9.11% | 9.33% | 8.59% | -957 bps | |
| Equity / Assets | 7.36% | 7.24% | 7.40% | 9.91% | 7.78% | 8.27% | 8.37% | 7.80% | -210 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.36% | 51.90% | 50.08% | 54.10% | 52.64% | 53.56% | 53.45% | 56.47% | +237 bps | |
| Liquid Assets / Assets | 46.83% | 45.53% | 40.70% | 42.41% | 1.31% | 1.35% | 1.33% | 1.43% | -4,099 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 226% | 227% | 208% | n/a | n/a | |
Little Rock, AR · Cert 91280 · Peer group: banks under $1B in assets (n=581-629) · Little Rock Bankshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Return on Assets
-1.30%
Rank 602 of 629
Net Interest Margin
3.85%
Rank 211 of 629
Efficiency Ratio
73.96%
Rank 409 of 629
Equity / Assets
7.80%
Rank 565 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.30% | 0.60% | 1.01% | 1.45% | Beats 4% | 602 / 629 | ||
| Return on Equity | -16.64% | 5.38% | 9.30% | 13.28% | Beats 2% | 615 / 629 | ||
| Net Interest Margin | 3.85% | 3.03% | 3.54% | 4.05% | Beats 66% | 211 / 629 | ||
| Efficiency Ratio | 73.96% | 58.35% | 67.79% | 79.08% | Beats 35% | 409 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.51% | 0.09% | 0.46% | 1.20% | Beats 48% | 306 / 581 | ||
| Net Charge-Offs / Loans | 3.29% | n/a | 0.01% | 0.06% | Beats 0% | 580 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.59% | 11.24% | 13.84% | 18.77% | Beats 1% | 625 / 629 | ||
| Total Risk-Based Capital Ratio | 8.59% | 11.58% | 14.43% | 19.66% | Beats 0% | 626 / 629 | ||
| Equity / Assets | 7.80% | 9.09% | 10.65% | 13.80% | Beats 10% | 565 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.47% | 67.24% | 80.90% | 93.48% | 15th pctl | 506 / 594 | ||
| Loans / Assets | 51.70% | 53.31% | 67.71% | 78.15% | 23rd pctl | 486 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||