First Arkansas Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Arkansas Bank and Trust of Jacksonville, AR against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.33% | 1.44% | -0.11% | 54th above |
| ROAE | 14.97% | 12.50% | +2.47% | 70th above |
| Net Interest Margin | 3.89% | 3.84% | +0.05% | 62nd above |
| Efficiency Ratio | 72.24% | 58.86% | +13.38% | 17th bottom |
| PPNR / Avg Assets | 1.68% | 1.78% | -0.10% | 48th below |
| Yield on Earning Assets | 5.77% | 5.71% | +0.06% | 64th above |
| Cost of Funds | 1.99% | 2.03% | -0.04% | 52nd above |
| Net Interest Spread | 3.47% | 3.18% | +0.29% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.95% | 0.96% | +0.99% | 11th bottom |
| NPA / Total Assets | 1.42% | 0.75% | +0.67% | 14th bottom |
| NCO / Avg Loans | 0.54% | 0.30% | +0.24% | 8th bottom |
| ACL / Total Loans | 1.12% | 1.25% | -0.13% | 44th below |
| ACL / NPLs (Coverage) | 57.10% | 699.55% | -642.45% | 12th bottom |
| Texas Ratio | 18.12% | 7.15% | +10.97% | 8th bottom |
| Provision / NCO | 91.19% | 815.49% | -724.30% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.74% | 11.60% | -0.86% | 55th above |
| Equity / Assets | 9.57% | 11.33% | -1.76% | 33rd below |
| TCE / Tangible Assets | 7.26% | 10.65% | -3.39% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.83% | 86.36% | -5.53% | 68th above |
| Core Deposit Ratio | 89.33% | 85.55% | +3.78% | 55th above |
| Uninsured Deposit Ratio | 27.57% | 32.71% | -5.14% | 61st above |
| Wholesale Funding Ratio | 2.81% | 5.46% | -2.65% | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.98% | 10.46% | -5.48% | 49th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.04% | 7.99% | -1.95% | 52nd above |
| Deposit Growth (Y/Y) | 1.88% | 7.99% | -6.11% | 29th below |
See First Arkansas Bank and Trust's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Arkansas Bank and Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Arkansas Bank and Trust profile, how to read a UBPR, or how this data updates.