Partners Bank: how it compares with its peers
Against 33 AR banks with half to twice its assets, Partners Bank's strongest measure in Q2 2026 is net interest margin (4.45% vs. a 4.06% peer median). Its weakest relative measure is return on assets (1.04% vs. 1.21%).
| Measure | Partners Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.04% | 1.21% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.45% | 4.06% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.43% | 59.35% | Middle third Ahead of 36% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $6.1M | Middle third Ahead of 61% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.39% | 76.56% | Context |
What it means for lending operations
Its efficiency ratio of 65.43% is above the 59.35% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Merchants & Planters' Bank Newport, AR · $379M
- Commercial Bank & Trust Company Monticello, AR · $364M
- Union Bank & Trust Company Monticello, AR · $356M
- Today's Bank Huntsville, AR · $351M
- Bank of 1889 Berryville, AR · $339M
- Bank of England England, AR · $332M
Questions about Partners Bank
How big is Partners Bank?
Partners Bank, established in 1940, is headquartered in Helena, AR. It reported $417M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Partners Bank's return on assets?
1.04% annualized in Q2 2026, against a 1.21% median for 33 AR banks with half to twice its assets, ahead of 24% of them.
What is Partners Bank's efficiency ratio?
65.43% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 59.35%, and lower is better.
Is Partners Bank growing its loans?
Net loans shrank 3.7% over the year to Q2 2026, while deposits grew 7.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AR banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arkansas bank ranked.