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 | |