Stone 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 32.69 percentage points higher than in Q1 2026, at 136.62%. Stone Bank ranks 31st of 78 Arkansas banks on return on assets, in the upper half at 1.47% (Q2 2026). Stone Bank reported 1.47% on return on assets for Q2 2026, 0.21 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.40% |
| Tier 1 risk-based capital ratio | 10.40% |
| Total risk-based capital ratio | 11.65% |
| Tier 1 leverage ratio | 8.37% |
| Equity capital to assets | 7.88% |
| Tangible equity to tangible assets | 7.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.04% |
| Non-performing assets ratio | 1.52% |
| Net charge-off ratio | 0.25% |
| Texas ratio | 15.13% |
| Allowance for credit losses to loans | 1.41% |
| Reserve coverage of non-performing loans | 136.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.47% |
| Return on equity | 18.94% |
| Net interest margin | 2.97% |
| Efficiency ratio | 54.77% |
| Yield on earning assets | 6.16% |
| Cost of funds | 3.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.49% |
| Core deposits to total deposits | 85.49% |
| Brokered deposits to total deposits | 4.78% |
| Deposits to assets | 79.70% |
| Securities to assets | 10.94% |
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 | 10.85% | 10.85% | 12.11% | 8.68% | 0.77% |
| Q4 2023 | 10.93% | 10.93% | 12.19% | 8.79% | 0.45% |
| Q1 2024 | 10.48% | 10.48% | 11.73% | 8.80% | 0.90% |
| Q2 2024 | 10.35% | 10.35% | 11.60% | 8.47% | 0.83% |
| Q3 2024 | 10.50% | 10.50% | 11.75% | 8.37% | 1.06% |
| Q4 2024 | 10.70% | 10.70% | 11.96% | 8.58% | 1.19% |
| Q1 2025 | 10.84% | 10.84% | 12.09% | 8.63% | 1.05% |
| Q2 2025 | 10.35% | 10.35% | 11.61% | 8.35% | 1.04% |
| Q3 2025 | 10.18% | 10.18% | 11.43% | 8.38% | 1.80% |
| Q4 2025 | 10.60% | 10.60% | 11.86% | 8.25% | 0.96% |
| Q1 2026 | 10.62% | 10.62% | 11.87% | 8.66% | 1.85% |
| Q2 2026 | 10.40% | 10.40% | 11.65% | 8.37% | 1.47% |
Stone Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Stone 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 Stone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17431) · FFIEC NIC profile (RSSD 913146)