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First Arkansas Bank and Trust

$1B-$10B Specialty: Commercial AR FDIC cert 16849

Designations: ✓ Community bank

Jacksonville, AR

21 branches across AR · GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in AR.
  • Deposits +1.9% year over year ($985.8M on the books).
  • Delinquency rate 1.65%.
  • Return on assets 1.61%.
  • Efficiency ratio 70.51% vs a 59.73% peer average.
  • Loan-to-deposit ratio 79.93% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 20 in AR
View $1B-$10B leaderboard (AR) →

First Arkansas Bank and Trust has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 17.6% in tier
  • + ROA 0.22% above tier average
  • + Net Interest Margin 0.12% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 35.1% in tier
  • - Efficiency Ratio 10.78% above tier average
  • - Delinquency Rate 0.78% above tier average
Get updates when First Arkansas Bank and Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $1.1B
+5.0% YoY -0.9% QoQ
-$1.7B $2.8B
-0.6% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
Bottom 13.2% in tier
Total Loans ? $788.0M
+6.1% YoY -1.5% QoQ
-$1.2B $2.0B
-0.3% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
Bottom 13.6% in tier
Total Deposits ? $985.8M
+1.9% YoY -1.3% QoQ
-$1.3B $2.3B
-0.5% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
Bottom 14.4% in tier
Return on Assets ? 1.61%
+54.9% YoY -12.4% QoQ
+0.22% 1.39%
+17.0% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
74%
Net Interest Margin ? 3.99%
+14.4% YoY +0.3% QoQ
+0.12% 3.87%
+6.2% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
67%
Efficiency Ratio ? 70.51%
-10.8% YoY +3.5% QoQ
+10.78% 59.73%
-12.6% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
20%
Delinquency Rate ? 1.65%
-3.1% YoY -5.2% QoQ
+0.78% 0.87%
+11.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
Bottom 13.4% in tier
Loan-to-Deposit Ratio ? 79.93%
+4.2% YoY -0.2% QoQ
-5.10% 85.04%
-0.1% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
68%
Non-Interest-Bearing Deposit Share ? 13.85%
-10.2% YoY -0.4% QoQ
-7.42% 21.27%
-1.5% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
23%
Nonperforming Asset Ratio ? 1.20%
-8.8% YoY -5.8% QoQ
+0.52% 0.67%
+11.7% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
16%
Tier 1 Capital Ratio ? 10.74%
+3.8% YoY +2.4% QoQ
-4.11% 14.84%
-0.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
Bottom 13.8% in tier
Non-Interest Income / Assets ? 1.63%
-2.0% YoY +83.5% QoQ
+1.10% 0.53%
+2.5% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
Top 3.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Noninterest-Bearing 13.9%
-1.6pp YoY
-0.1pp QoQ
 -7.5pp 21.4% 19.6% 22.2% 23%
Brokered Deposits n/a n/a 9.5% 7.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 29.1%
0.0pp YoY
-0.2pp QoQ
 +15.1pp 14.0% 12.7% 12.5% 91%
CRE 43.0%
-0.8pp YoY
+1.4pp QoQ
 -7.0pp 50.0% 41.0% 41.4% 30%
1-4 Family 19.0%
+0.2pp YoY
+0.1pp QoQ
 -7.4pp 26.4% 28.1% 31.3% 40%
Consumer 8.9%
+0.6pp YoY
-1.4pp QoQ
 +4.2pp 4.7% 4.5% 5.0% 88%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 15.1% 19.7% n/a
Leverage Ratio 10.7%
+0.4pp YoY
+0.2pp QoQ
 -0.6pp 11.3% 11.9% 12.6% 54%
Total Capital Ratio n/a n/a 16.7% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 235
+5 (+2.2%) YoY
-1 (-0.4%) QoQ
 -79 313 315 482 50%
Assets per Employee ($) $4.9M
+2.7% YoY
-0.4% QoQ
 -$5.6M $10.5M $6.7M $8.8M 3%
Branch Count 21
0 YoY
0 QoQ
 +1 20 25 18 68%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 1.6%
-0.1pp YoY
-0.1pp QoQ
 +0.8pp 0.8% 1.1% 1.0% 88%
Allowance Coverage 0.69x
-4.9% YoY
+7.0% QoQ
 -18.02x 18.71x 4.69x 20.23x 11%
Net Charge-off Rate (YTD) 0.6%
+0.1pp YoY
-0.1pp QoQ
 +0.4pp 0.3% 0.2% 0.2% 93%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 17.7%
+4.4pp YoY
-3.1pp QoQ
 +5.1pp 12.6% 12.3% 11.6% 85%
Cost of Funds (YTD) 1.9%
-0.5pp YoY
0.0pp QoQ
 0.0pp 1.9% 2.0% 1.7% 52%
Net Income ($, YTD) $9.3M
+62.3% YoY
— QoQ
 -$10.0M $19.2M $16.0M $40.4M 36%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#40 of 222 • Top 17.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.63%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 1.61%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Capital Thin

risk
#79 of 222 • Bottom 35.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.74%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

32
Non-Interest Income / Assets
revenue_mix
Value: 1.63%
Peer Median: 0.53%
#32 of 885 Top 3.5% in $1B-$10B

Top Weaknesses (8 metrics)

769
Total Assets
size
Value: $1.14B
Peer Median: $2.79B
#769 of 885 Bottom 13.2% in $1B-$10B
765
Delinquency Rate
credit_quality
Value: 1.65%
Peer Median: 0.87%
#765 of 882 Bottom 13.4% in $1B-$10B
766
Total Loans
size
Value: $787.96M
Peer Median: $1.96B
#766 of 885 Bottom 13.6% in $1B-$10B
764
Tier 1 Capital Ratio
capital
Value: 10.74%
Peer Median: 14.84%
#764 of 885 Bottom 13.8% in $1B-$10B
759
Total Deposits
size
Value: $985.79M
Peer Median: $2.32B
#759 of 885 Bottom 14.4% in $1B-$10B
742
Nonperforming Asset Ratio
credit_quality
Value: 1.20%
Peer Median: 0.67%
#742 of 885 Bottom 16.3% in $1B-$10B
709
Efficiency Ratio
profitability
Value: 70.51%
Peer Median: 59.73%
#709 of 885 Bottom 20.0% in $1B-$10B
680
Non-Interest-Bearing Deposit Share
funding
Value: 13.85%
Peer Median: 21.27%
#680 of 885 Bottom 23.3% in $1B-$10B
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