Sparkman, AR · Cert 93 · Oak Tree Financial Corp. Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.1% share · #35 of 42 inst. · $0.0B 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 | 1.20% | 1.18% | 0.83% | 0.91% | 0.93% | 0.90% | 0.84% | 1.12% | +20 bps | |
| Return on Equity | 13.13% | 12.87% | 6.89% | 7.05% | 6.81% | 6.35% | 5.19% | 6.93% | -11 bps | |
| Net Interest Margin | 3.86% | 3.74% | 3.94% | 4.04% | 4.02% | 4.09% | 4.37% | 4.60% | +55 bps | |
| Efficiency Ratio | 64.23% | 65.02% | 73.18% | 70.64% | 69.40% | 69.91% | 70.92% | 65.94% | -470 bps | |
| Non-Interest Burden | 2.31% | 2.28% | 2.74% | 2.69% | 2.61% | 2.68% | 2.88% | 2.75% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.15% | 0.65% | 13.28% | 17.93% | 20.94% | 15.96% | 2.27% | 4.05% | -1,388 bps | |
| Loan Growth (YoY) | 3.41% | -5.47% | -10.53% | -3.11% | 5.86% | 8.40% | 20.89% | 21.88% | +2,498 bps | |
| Deposit Growth (YoY) | 0.04% | 2.80% | 6.63% | 17.61% | 17.39% | 13.07% | 5.44% | -4.73% | -2,234 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.06% | 1.00% | 0.06% | 0.05% | 0.05% | 0.04% | 0.04% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.03% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 0.94% | 0.98% | 1.06% | 0.03% | 0.10% | 0.18% | 0.25% | 0.29% | +26 bps | |
| Allowance Coverage of NPLs | 16.2x | 16.7x | 1.1x | 0.6x | 2.0x | 3.7x | 5.9x | 7.4x | +6.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.36% | 8.52% | 10.25% | 10.26% | 11.16% | 11.42% | 11.74% | 12.29% | +202 bps | |
| Total Risk-Based Capital | 14.16% | 13.57% | 17.08% | 15.25% | 16.35% | 16.58% | 16.32% | 15.52% | +26 bps | |
| Equity / Assets | 9.50% | 9.04% | 14.86% | 14.56% | 15.55% | 15.90% | 16.47% | 15.99% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.57% | 96.36% | 85.75% | 86.36% | 94.31% | 92.38% | 98.32% | 110.48% | +2,412 bps | |
| Liquid Assets / Assets | 0.13% | 0.09% | 0.09% | 0.08% | 0.06% | 0.07% | 0.03% | 0.07% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 116.45% | 118.85% | 124.26% | n/a | n/a | |