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Smackover State Bank

$100M-$1B Specialty: Commercial AR FDIC cert 5623

Smackover, AR

4 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 +2.1% year over year ($210.4M on the books).
  • Delinquency rate 0.83%.
  • Return on assets 1.17%.
  • Efficiency ratio 52.68% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.96% 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) →

Smackover State Bank has 2 strengths but faces 5 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

  • + Efficiency Ratio 11.79% below tier average
  • + Delinquency Rate 0.09% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 20.0% in tier
  • - Credit Risk Growth: Bottom 25.0% in tier
  • - Flatlined Growth: Bottom 29.3% in tier
  • - ROA 0.15% below tier average
  • - Net Interest Margin 0.79% below tier average
Get updates when Smackover State 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 ? $252.4M
-1.4% YoY +1.5% QoQ
-$134.2M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
37%
Total Loans ? $174.6M
+3.5% YoY +1.9% QoQ
-$83.8M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
42%
Total Deposits ? $210.4M
+2.1% YoY +1.4% QoQ
-$116.3M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
37%
Return on Assets ? 1.17%
+47.1% YoY -0.8% QoQ
-0.15% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
46%
Net Interest Margin ? 3.19%
+24.2% YoY +1.8% QoQ
-0.79% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
16%
Efficiency Ratio ? 52.68%
-14.8% YoY +2.9% QoQ
-11.79% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
78%
Delinquency Rate ? 0.83%
+64.5% YoY -34.9% QoQ
-0.09% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
33%
Loan-to-Deposit Ratio ? 82.96%
+1.3% YoY +0.5% QoQ
+5.01% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
43%
Non-Interest-Bearing Deposit Share ? 21.91%
+2.0% YoY +7.3% QoQ
-0.12% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
54%
Nonperforming Asset Ratio ? 0.58%
+66.1% YoY -34.5% QoQ
-0.09% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
35%
Tier 1 Capital Ratio ? 11.04%
+6.0% YoY +2.3% QoQ
-4.87% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
24%
Non-Interest Income / Assets ? 0.18%
+6.1% YoY +105.5% QoQ
-0.38% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
45%

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 21.9%
+0.4pp YoY
+1.5pp QoQ
 -0.2pp 22.1% 19.6% 22.2% 54%
Brokered Deposits 0.8%
-1.0pp YoY
0.0pp QoQ
 -7.1pp 7.9% 7.2% 8.5% 16%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 11.3%
+0.2pp YoY
+0.1pp QoQ
 -0.3pp 11.6% 12.7% 12.5% 60%
CRE 32.0%
+2.8pp YoY
+0.9pp QoQ
 -7.6pp 39.5% 41.0% 41.4% 38%
1-4 Family 50.0%
-0.3pp YoY
-0.1pp QoQ
 +17.4pp 32.6% 28.1% 31.3% 82%
Consumer 3.2%
-0.9pp YoY
-0.7pp QoQ
 -1.0pp 4.1% 4.5% 5.0% 62%

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 11.0%
+0.6pp YoY
+0.2pp QoQ
 -1.1pp 12.2% 11.9% 12.6% 51%
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 34
+1 (+3.0%) YoY
+1 (+3.0%) QoQ
 -25 58 315 482 33%
Assets per Employee ($) $7.4M
-4.3% YoY
-1.5% QoQ
 -$96K $7.5M $6.7M $8.8M 60%
Branch Count 4
0 YoY
0 QoQ
 -1 4 25 18 42%

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 0.8%
+0.3pp YoY
-0.4pp QoQ
 -0.1pp 0.9% 1.1% 1.0% 67%
Allowance Coverage 1.01x
-32.6% YoY
+57.0% QoQ
 -23.15x 24.15x 4.69x 20.23x 27%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 73%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 11.5%
+3.0pp YoY
-0.2pp QoQ
 -0.7pp 12.2% 12.3% 11.6% 47%
Cost of Funds (YTD) 2.2%
-0.3pp YoY
0.0pp QoQ
 +0.4pp 1.7% 2.0% 1.7% 79%
Net Income ($, YTD) $1.5M
+49.2% YoY
— QoQ
 -$1.1M $2.6M $16.0M $40.4M 41%

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 (3)

Capital Thin

risk
#133 of 661 • Bottom 20.0% 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: 11.04%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Risk Growth

risk
#235 of 936 • Bottom 25.0% 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 | QoQ rank improving

Flatlined Growth

risk
#156 of 529 • Bottom 29.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.17%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

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 (1 metrics)

591
Efficiency Ratio
profitability
Value: 52.68%
Peer Median: 64.48%
#591 of 2643 Top 22.3% in $100M-$1B

Top Weaknesses (2 metrics)

2223
Net Interest Margin
profitability
Value: 3.19%
Peer Median: 3.99%
#2223 of 2643 Bottom 15.9% in $100M-$1B
2011
Tier 1 Capital Ratio
capital
Value: 11.04%
Peer Median: 15.91%
#2011 of 2643 Bottom 24.0% in $100M-$1B
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