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Anstaff Bank

$1B-$10B Specialty: Agricultural AR FDIC cert 3869

Designations: ✓ Community bank ✓ CDFI-certified

Green Forest, AR

14 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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in AR.
  • Deposits +3.9% year over year ($1.1B on the books).
  • Delinquency rate 0.14%.
  • Return on assets 1.91%.
  • Efficiency ratio 52.81% vs a 59.73% peer average.
  • Loan-to-deposit ratio 85.29% 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) →

Anstaff Bank has 4 strengths but faces 2 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

  • + Credit Quality Leader: Top 26.2% in tier
  • + Profitability Leader: Top 41.0% in tier
  • + Net Interest Margin 0.14% above tier average
  • + Efficiency Ratio 6.92% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 4.9% in tier
  • - Credit Risk Growth: Bottom 47.5% in tier
Get updates when Anstaff 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 ? $1.2B
+5.2% YoY +0.3% QoQ
-$1.6B $2.8B
-0.6% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
15%
Total Loans ? $901.6M
+11.0% YoY +3.6% QoQ
-$1.1B $2.0B
-0.3% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
25%
Total Deposits ? $1.1B
+3.9% YoY -0.0% QoQ
-$1.3B $2.3B
-0.5% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
20%
Return on Assets ? 1.91%
+21.0% YoY +0.7% QoQ
+0.52% 1.39%
+17.0% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
Top 14.7% in tier
Net Interest Margin ? 4.01%
+12.1% YoY +2.8% QoQ
+0.14% 3.87%
+6.2% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
68%
Efficiency Ratio ? 52.81%
-7.9% YoY -2.9% QoQ
-6.92% 59.73%
-12.6% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
69%
Delinquency Rate ? 0.14%
+8.7% YoY +26.7% QoQ
-0.73% 0.87%
+11.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
84%
Loan-to-Deposit Ratio ? 85.29%
+6.9% YoY +3.6% QoQ
+0.25% 85.04%
-0.1% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
55%
Non-Interest-Bearing Deposit Share ? 13.61%
-2.9% YoY -0.0% QoQ
-7.66% 21.27%
-1.5% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
22%
Nonperforming Asset Ratio ? 0.15%
+17.3% YoY +20.7% QoQ
-0.53% 0.67%
+11.7% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
79%
Tier 1 Capital Ratio ? 12.66%
+4.4% YoY +0.2% QoQ
-2.18% 14.84%
-0.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.27%
+2.6% YoY +116.7% QoQ
-0.25% 0.53%
+2.5% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
46%

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 13.6%
-0.4pp YoY
0.0pp QoQ
 -7.8pp 21.4% 19.6% 22.2% 21%
Brokered Deposits 0.2%
-1.3pp YoY
-0.3pp QoQ
 -9.3pp 9.5% 7.2% 8.5% 7%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 9.1%
-2.2pp YoY
-0.7pp QoQ
 -4.9pp 14.0% 12.7% 12.5% 40%
CRE 36.5%
+2.8pp YoY
+1.0pp QoQ
 -13.5pp 50.0% 41.0% 41.4% 18%
1-4 Family 23.6%
+0.3pp YoY
0.0pp QoQ
 -2.9pp 26.4% 28.1% 31.3% 50%
Consumer 3.2%
-0.1pp YoY
0.0pp QoQ
 -1.6pp 4.7% 4.5% 5.0% 74%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio 12.7%
+0.5pp YoY
0.0pp QoQ
 -2.9pp 15.6% 15.1% 19.7% 36%
Leverage Ratio 10.2%
+0.5pp YoY
+0.1pp QoQ
 -1.1pp 11.3% 11.9% 12.6% 42%
Total Capital Ratio 13.9%
+0.5pp YoY
0.0pp QoQ
 -2.8pp 16.7% 16.3% 20.8% 38%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 158
+4 (+2.6%) YoY
-2 (-1.2%) QoQ
 -156 313 315 482 25%
Assets per Employee ($) $7.5M
+2.5% YoY
+1.5% QoQ
 -$3.0M $10.5M $6.7M $8.8M 30%
Branch Count 14
0 YoY
0 QoQ
 -6 20 25 18 46%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
 -0.2pp 0.2% 0.1% 0.4% 8%
Nonaccrual 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.7pp 0.8% 1.1% 1.0% 15%
Allowance Coverage 8.88x
-9.2% YoY
-19.2% QoQ
 -9.83x 18.71x 4.69x 20.23x 87%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.2% 0.2% 47%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 20.4%
+1.3pp YoY
0.0pp QoQ
 +7.8pp 12.6% 12.3% 11.6% 91%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.9% 2.0% 1.7% 62%
Net Income ($, YTD) $11.2M
+29.1% YoY
— QoQ
 -$8.1M $19.2M $16.0M $40.4M 44%

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 (2)

Credit Quality Leader

growth
#59 of 221 • Top 26.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.14%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Profitability Leader

growth
#92 of 222 • Top 41.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.91%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk
#25 of 492 • Bottom 4.9% in tier

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

Why this signature
Delinquency Rate: 0.14%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#192 of 402 • Bottom 47.5% in tier

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

402 of 402 Mid-Market 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 885 peers in $1B-$10B

Top Strengths (3 metrics)

131
Return on Assets
profitability
Value: 1.91%
Peer Median: 1.39%
#131 of 885 Top 14.7% in $1B-$10B
143
Delinquency Rate
credit_quality
Value: 0.14%
Peer Median: 0.87%
#143 of 882 Top 16.1% in $1B-$10B
186
Nonperforming Asset Ratio
credit_quality
Value: 0.15%
Peer Median: 0.67%
#186 of 885 Top 20.9% in $1B-$10B

Top Weaknesses (4 metrics)

750
Total Assets
size
Value: $1.18B
Peer Median: $2.79B
#750 of 885 Bottom 15.4% in $1B-$10B
712
Total Deposits
size
Value: $1.06B
Peer Median: $2.32B
#712 of 885 Bottom 19.7% in $1B-$10B
695
Non-Interest-Bearing Deposit Share
funding
Value: 13.61%
Peer Median: 21.27%
#695 of 885 Bottom 21.6% in $1B-$10B
669
Total Loans
size
Value: $901.56M
Peer Median: $1.96B
#669 of 885 Bottom 24.5% in $1B-$10B
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