Partners Bank: 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.
Reserve coverage of non-performing loans dropped 121.68 percentage points in Q2 2026, from 308.53% to 186.84%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Partners Bank is 59th of 78 on return on assets, 1.05% as of Q2 2026, below the middle of the field. Partners Bank reported 1.05% on return on assets for Q2 2026, 0.21 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.70% |
| Tier 1 risk-based capital ratio | 15.70% |
| Total risk-based capital ratio | 16.96% |
| Tier 1 leverage ratio | 13.73% |
| Equity capital to assets | 13.25% |
| Tangible equity to tangible assets | 13.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.98% |
| Non-performing assets ratio | 0.86% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 5.81% |
| Allowance for credit losses to loans | 1.82% |
| Reserve coverage of non-performing loans | 186.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.05% |
| Return on equity | 7.81% |
| Net interest margin | 4.43% |
| Efficiency ratio | 65.04% |
| Yield on earning assets | 6.24% |
| Cost of funds | 2.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.29% |
| Core deposits to total deposits | 86.30% |
| Brokered deposits to total deposits | 0.25% |
| Deposits to assets | 84.88% |
| Securities to assets | 6.91% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.79% | 11.79% | 13.04% | 11.08% | 4.74% |
| Q4 2023 | 11.37% | 11.37% | 12.62% | 10.15% | -0.76% |
| Q1 2024 | 13.96% | 13.96% | 15.22% | 11.61% | 0.75% |
| Q2 2024 | 13.17% | 13.17% | 14.42% | 11.87% | 1.01% |
| Q3 2024 | 13.32% | 13.32% | 14.58% | 11.51% | 0.98% |
| Q4 2024 | 14.08% | 14.08% | 15.33% | 11.83% | 0.98% |
| Q1 2025 | 14.51% | 14.51% | 15.76% | 12.24% | 1.01% |
| Q2 2025 | 14.23% | 14.23% | 15.48% | 12.23% | 1.30% |
| Q3 2025 | — | — | — | 12.15% | 1.08% |
| Q4 2025 | — | — | — | 12.97% | 1.36% |
| Q1 2026 | — | — | — | 13.68% | 1.05% |
| Q2 2026 | 15.70% | 15.70% | 16.96% | 13.73% | 1.05% |
Partners Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Partners Bank, 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 Partners Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15729) · FFIEC NIC profile (RSSD 335346)