Smackover State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Smackover State Bank of Smackover, AR against its peer group of 2757 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 | 1.15% | 1.25% | -0.10% | 41st below |
| ROAE | 11.36% | 12.22% | -0.86% | 43rd below |
| Net Interest Margin | 3.27% | 3.95% | -0.68% | 18th bottom |
| Efficiency Ratio | 52.72% | 63.71% | -10.99% | 75th top |
| PPNR / Avg Assets | 1.60% | — | — | 51st above |
| Yield on Earning Assets | 5.37% | 5.67% | -0.30% | 38th below |
| Cost of Funds | 2.19% | 1.87% | +0.32% | 27th below |
| Net Interest Spread | 2.46% | — | — | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.83% | 0.88% | -0.05% | 33rd below |
| NPA / Total Assets | 0.58% | — | — | 35th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.15% | -0.11% | 27th below |
| ACL / Total Loans | 0.83% | — | — | 13th bottom |
| ACL / NPLs (Coverage) | 100.76% | — | — | 27th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.32% | 5.96% | -0.64% | 34th below |
| Provision / NCO | 441.18% | — | — | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.04% | 11.75% | -0.71% | 51st above |
| Equity / Assets | 10.34% | 10.98% | -0.64% | 49th below |
| TCE / Tangible Assets | 10.34% | — | — | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.66% | 80.44% | +3.22% | 44th below |
| Core Deposit Ratio | 74.69% | 86.95% | -12.26% | 9th bottom |
| Wholesale Funding Ratio | 5.94% | — | — | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.45% | — | — | 12th bottom |
| Loan Growth (Y/Y) | 3.56% | — | — | 39th below |
| Deposit Growth (Y/Y) | 2.11% | — | — | 35th below |
See Smackover State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Smackover State Bank, 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 Smackover State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Smackover State Bank peer analysis.