Partners Bank (Helena, AR)
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Data as of · sourced from FFIEC call reports. How we update
Partners Bank is an FDIC-insured commercial bank headquartered in Helena, AR, established in 1940 (FDIC certificate 15729), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $417.1M, down 4.5% from Q2 2025, the 41st largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 15.70% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15729
- Headquarters
- Helena, AR
- Established
- 1940
- Total assets, Q2 2026
- $417.1M
- Assets vs Q2 2025
- -4.5%
- CET1 ratio, Q2 2026
- 15.70%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 084100654
- Holding company
- HELENA BANCSHARES, INC.
- Asset rank in state
- 41st of 78 in Arkansas
Problem loans are rising at Partners Bank. Based in Helena, Arkansas, it had $417 million in assets at June 30, 2026, down 4.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.93% of loans from 0.26% a year earlier. It holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 3.7% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Its $103 million non-owner-occupied commercial real estate book is now fully current, after 3.21% of it was past due or on nonaccrual a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 3.7% and deposits rose 7.4%. Profitability lags: it returns 7.8% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, Partners Bank reported a CET1 capital ratio of 15.70%, a return on assets of 1.05%, a nonperforming-loan ratio of 0.93% and a Texas ratio of 5.56%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Partners Bank is the 41st largest of the 78 banks headquartered in Arkansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.2% to $417.1M, loans rose 7.9% and deposits rose 2.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 27.9% of total loans, ahead of 1-4 family residential loans at 16.3%. Its 9 offices in the FDIC Summary of Deposits are in 8 cities in AR; its Helena 2 offices book 49% of its branch deposits. Judged on its Q2 2026 call report, Partners Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 302 Cherry St, Helena, AR 72342
- County
- Phillips
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 1, 1940
- Former names
- HNB Bank (2018-2019); Helena National Bank (1973-2018)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 66
- Domestic deposits
- $354.0M
- Allowance for credit losses
- $6.7M
- Net charge-offs (YTD)
- $696K
- Average total assets
- $409.3M
- Average total loans
- $351.3M
- Average interest-bearing deposits
- $269.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 1, 1940
- FDIC Cert
- 15729
- Fed RSSD
- 335346
- Website
- www.mypartners.bank →
- Parent Holding Company
- HELENA BANCSHARES, INC. (RSSD 1129494)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Partners Bank's total assets moved between a low of $404.1M (Q1 2026) and a high of $442.6M (Q4 2024) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$417.1M total assets against $436.6M; $361.8M total liabilities against $384.8M.
$362.5M net loans and leases against $376.5M; $354.0M total deposits against $329.5M.
$28.8M securities against $29.5M; $12.8M cash and balances due against $15.4M.
$6.2M total interest income against $6.7M; $1.8M total interest expense against $2.2M.
$4.4M net interest income against $4.5M.
$301K total noninterest income against $450K; $3.1M total noninterest expense against $2.9M.
$225K provision for credit losses against $225K.
$1.1M net income against $1.4M.
1.05% return on assets against 1.30%; 4.43% net interest margin against 4.29%.
15.70% CET1 capital ratio against 14.23%; 13.73% tier 1 leverage ratio against 12.23%.
Inside the full Partners Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Partners Bank rankings
Its closest position to the top of a national ranking is 1,211 of 3,640, for Texas Ratio; its furthest is 2,400 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.98% (Q4 2024) to 1.36% (Q4 2025) and its net interest margin ran from 3.87% (Q4 2024) to 4.43% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.70% | 1.05% | 0.93% | 5.56% | 4.43% |
| Q1 2026 | — | 1.05% | 0.57% | 3.22% | 4.37% |
| Q4 2025 | — | 1.36% | 1.37% | 8.00% | 4.35% |
| Q3 2025 | — | 1.08% | 0.40% | 2.62% | 4.05% |
| Q2 2025 | 14.23% | 1.30% | 0.26% | 1.71% | 4.29% |
| Q1 2025 | 14.51% | 1.01% | 0.27% | 1.77% | 4.05% |
| Q4 2024 | 14.08% | 0.98% | 0.48% | 3.21% | 3.87% |
| Q3 2024 | 13.32% | 0.98% | 0.10% | 1.42% | 3.89% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Partners Bank (main office) | Helena , AR | 72342 | $172.8M |
| Marvell Branch | Marvell , AR | 72366 | $42.6M |
| Marion Branch | Marion , AR | 72364 | $41.0M |
| West Branch | West Helena , AR | 72390 | $39.4M |
| Little Rock Branch | Little Rock , AR | 72211 | $24.6M |
| Wynne Branch | Wynne , AR | 72396 | $15.4M |
| Conway Branch | Conway , AR | 72032 | $9.5M |
| Springdale, Ar Branch | Springdale , AR | 72762 | $8.8M |
| Mid City Branch | Helena , AR | 72342 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 15, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 15, 1991 | Structure Change | Acquired Bank of Marvell Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC)
- October 1, 2014, OCC: Civil Money Penalty (CMP): Helena National Bank
- April 22, 1992, OCC: Formal Agreement: Helena National Bank
- Period: Most recent institution action October 1, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in AR, rank 48 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 76 applications, 51 loans originated, $14.1M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $307K approved, $307K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Partners Bank
What are Partners Bank's total assets?
As of the Q2 2026 filing, Partners Bank reported total assets of $417.1 million in its FFIEC call report.
Where is Partners Bank headquartered?
It is headquartered in Helena, AR, United States.
When was Partners Bank founded?
It was established in 1940, per the FDIC institution directory.
Is Partners Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15729). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Partners Bank?
Partners Bank's primary federal regulator is the FDIC.
What is Partners Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.70% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Partners Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Partners Bank's Texas Ratio?
Its Texas Ratio is 5.56% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Partners Bank previously called?
The charter now named Partners Bank has also operated as HNB Bank (2018-2019), Helena National Bank (1973-2018), per FDIC structure-change records.
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