First Arkansas Bank and Trust: 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: 1.49 percentage points higher than in Q1 2026, at 57.10%. Within Arkansas, First Arkansas Bank and Trust is 37th of 78 on return on assets, 1.33% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. First Arkansas Bank and Trust sits 0.05 points higher, at 1.33% (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 | 10.74% |
| Equity capital to assets | 9.57% |
| Tangible equity to tangible assets | 7.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.95% |
| Non-performing assets ratio | 1.42% |
| Net charge-off ratio | 0.54% |
| Texas ratio | 18.12% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 57.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.33% |
| Return on equity | 14.97% |
| Net interest margin | 3.89% |
| Efficiency ratio | 72.24% |
| Yield on earning assets | 5.77% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.83% |
| Core deposits to total deposits | 89.33% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.43% |
| Securities to assets | 20.98% |
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 | 10.23% | -0.29% | 3.34% | 1.74% | 0.70% |
| Q4 2023 | 9.86% | -0.70% | 2.96% | 1.68% | 0.47% |
| Q1 2024 | 9.25% | 0.18% | 2.89% | 1.56% | 0.56% |
| Q2 2024 | 9.01% | 0.35% | 2.86% | 1.58% | 0.59% |
| Q3 2024 | 9.26% | 0.94% | 2.82% | 1.75% | 0.64% |
| Q4 2024 | 9.56% | 0.77% | 3.30% | 1.31% | 1.91% |
| Q1 2025 | 10.11% | 0.99% | 3.28% | 1.81% | 0.52% |
| Q2 2025 | 10.34% | 1.01% | 3.45% | 1.90% | 0.52% |
| Q3 2025 | 10.61% | 0.74% | 3.55% | 2.01% | 0.62% |
| Q4 2025 | 10.35% | 0.88% | 3.55% | 2.34% | 0.35% |
| Q1 2026 | 10.49% | 1.79% | 3.92% | 1.98% | 0.73% |
| Q2 2026 | 10.74% | 1.33% | 3.89% | 1.95% | 0.54% |
First Arkansas Bank and Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Arkansas Bank and Trust, 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 First Arkansas Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16849) · FFIEC NIC profile (RSSD 466240)