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Armor Bank

$100M-$1B Specialty: Commercial AR FDIC cert 28812

Forrest City, AR

13 branches across AR

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in AR.
  • Deposits +7.7% year over year ($460.5M on the books).
  • Delinquency rate 0.41%.
  • Return on assets 0.88%.
  • Efficiency ratio 70.71% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.71% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 49 in AR
View $100M-$1B leaderboard (AR) →

Armor Bank has 2 strengths but faces 4 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

  • + Net Interest Margin 0.05% above tier average
  • + Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 37.9% in tier
  • - Credit Risk Growth: Bottom 44.5% in tier
  • - ROA 0.45% below tier average
  • - Efficiency Ratio 6.23% above tier average
Get updates when Armor Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $516.9M
+10.3% YoY +3.5% QoQ
+$130.4M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
73%
Total Loans ? $390.0M
+8.4% YoY +6.3% QoQ
+$131.7M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
78%
Total Deposits ? $460.5M
+7.7% YoY +1.3% QoQ
+$133.7M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
76%
Return on Assets ? 0.88%
+46.1% YoY +8.2% QoQ
-0.45% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
27%
Net Interest Margin ? 4.04%
+13.2% YoY +3.1% QoQ
+0.05% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
55%
Efficiency Ratio ? 70.71%
-9.2% YoY -2.8% QoQ
+6.23% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
28%
Delinquency Rate ? 0.41%
+132.8% YoY
-0.51% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
51%
Loan-to-Deposit Ratio ? 84.71%
+0.7% YoY +5.0% QoQ
+6.75% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
39%
Non-Interest-Bearing Deposit Share ? 14.79%
-8.5% YoY -4.8% QoQ
-7.24% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
24%
Nonperforming Asset Ratio ? 0.31%
+128.9% YoY
-0.36% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
51%
Tier 1 Capital Ratio ? 9.40%
-17.6% YoY +0.8% QoQ
-6.51% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
Bottom 4.1% in tier
Non-Interest Income / Assets ? 0.18%
-5.9% YoY +99.6% QoQ
-0.39% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
43%

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 14.8%
-1.4pp YoY
-0.7pp QoQ
 -7.4pp 22.1% 19.6% 22.2% 23%
Brokered Deposits 3.9%
-1.7pp YoY
-0.8pp QoQ
 -3.9pp 7.9% 7.2% 8.5% 45%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 8.4%
-2.2pp YoY
-1.2pp QoQ
 -3.1pp 11.6% 12.7% 12.5% 43%
CRE 52.3%
-2.0pp YoY
+0.5pp QoQ
 +12.8pp 39.5% 41.0% 41.4% 74%
1-4 Family 31.6%
+3.9pp YoY
-0.3pp QoQ
 -1.1pp 32.6% 28.1% 31.3% 55%
Consumer 1.0%
0.0pp YoY
0.0pp QoQ
 -3.1pp 4.1% 4.5% 5.0% 29%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 9.4%
+0.2pp YoY
+0.1pp QoQ
 -2.8pp 12.2% 11.9% 12.6% 19%
Total Capital Ratio n/a n/a 19.9% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 75
+3 (+4.2%) YoY
+1 (+1.4%) QoQ
 +16 58 315 482 74%
Assets per Employee ($) $6.9M
+5.9% YoY
+2.1% QoQ
 -$626K $7.5M $6.7M $8.8M 50%
Branch Count 13
0 YoY
0 QoQ
 +8 4 25 18 96%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.4%
+0.2pp YoY
 -0.5pp 0.9% 1.1% 1.0% 47%
Allowance Coverage 3.07x
-54.2% YoY
 -21.08x 24.15x 4.69x 20.23x 59%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.1pp 0.1% 0.2% 0.2% 26%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 10.2%
+2.8pp YoY
+0.8pp QoQ
 -2.0pp 12.2% 12.3% 11.6% 38%
Cost of Funds (YTD) 2.1%
-0.4pp YoY
0.0pp QoQ
 +0.4pp 1.7% 2.0% 1.7% 75%
Net Income ($, YTD) $2.2M
+55.9% YoY
— QoQ
 -$369K $2.6M $16.0M $40.4M 56%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#477 of 1256 • Bottom 37.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.41%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#418 of 936 • Bottom 44.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

574
Total Loans
size
Value: $390.04M
Peer Median: $258.35M
#574 of 2643 Top 21.7% in $100M-$1B
631
Total Deposits
size
Value: $460.47M
Peer Median: $326.73M
#631 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (2 metrics)

2535
Tier 1 Capital Ratio
capital
Value: 9.40%
Peer Median: 15.91%
#2535 of 2643 Bottom 4.1% in $100M-$1B
2022
Non-Interest-Bearing Deposit Share
funding
Value: 14.79%
Peer Median: 22.03%
#2022 of 2643 Bottom 23.5% in $100M-$1B
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