Eagle Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 13.28 percentage points lower than in Q1 2026, at 187.10%. Within Arkansas, Eagle Bank and Trust Company is 65th of 78 on return on assets, 0.93% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Eagle Bank and Trust Company sits 0.32 points lower, at 0.93% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.35% |
| Equity capital to assets | 13.46% |
| Tangible equity to tangible assets | 13.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.65% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.59% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 187.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.93% |
| Return on equity | 6.96% |
| Net interest margin | 3.95% |
| Efficiency ratio | 82.85% |
| Yield on earning assets | 5.54% |
| Cost of funds | 1.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.24% |
| Core deposits to total deposits | 89.15% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.63% |
| Securities to assets | 45.85% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 16.18% | 0.61% | 3.18% | 0.42% | 0.02% |
| Q4 2023 | 16.35% | 0.25% | 2.98% | 0.50% | 0.03% |
| Q1 2024 | 16.00% | 0.79% | 3.14% | 0.44% | 0.01% |
| Q2 2024 | 15.92% | 0.71% | 3.14% | 0.41% | 0.03% |
| Q3 2024 | 16.02% | 0.60% | 3.29% | 0.40% | 0.03% |
| Q4 2024 | 15.70% | 0.38% | 3.37% | 0.60% | 0.01% |
| Q1 2025 | 16.00% | 0.37% | 3.32% | 0.49% | 0.04% |
| Q2 2025 | 16.13% | 0.86% | 3.73% | 0.66% | 0.01% |
| Q3 2025 | 16.63% | 1.05% | 3.75% | 0.92% | 0.00% |
| Q4 2025 | 16.27% | 0.53% | 3.87% | 0.68% | 0.04% |
| Q1 2026 | 16.30% | 1.15% | 4.04% | 0.59% | 0.14% |
| Q2 2026 | 16.35% | 0.93% | 3.95% | 0.65% | 0.00% |
Eagle Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Eagle Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Eagle Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3873) · FFIEC NIC profile (RSSD 453446)