First Arkansas Bank and Trust: how it compares with its peers
Against 23 AR banks with half to twice its assets, First Arkansas Bank and Trust's strongest measure in Q2 2026 is return on assets (1.61% vs. a 1.40% peer median). Its weakest relative measure is efficiency ratio (70.51% vs. 57.44%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.61% | 1.40% | Middle third Ahead of 65% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.99% | 4.01% | Middle third Ahead of 43% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.51% | 57.44% | Bottom third Ahead of 4% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $6.7M | Bottom third Ahead of 4% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.93% | 90.57% | Context |
What it means for lending operations
Its efficiency ratio of 70.51% is above the 57.44% 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
- Anstaff Bank Green Forest, AR · $1.18B
- Evolve Bank & Trust West Memphis, AR · $1.19B
- Generations Bank Rogers, AR · $1.09B
- First Service Bank Greenbrier, AR · $1.02B
- Legacy Bank Springdale, AR · $1.27B
- Diamond Bank Murfreesboro, AR · $957M
Questions about First Arkansas Bank and Trust
How big is First Arkansas Bank and Trust?
First Arkansas Bank and Trust, established in 1949, is headquartered in Jacksonville, AR. It reported $1.14B in total assets in its Q2 2026 FDIC call report and operates 21 offices.
What is First Arkansas Bank and Trust's return on assets?
1.61% annualized in Q2 2026, against a 1.40% median for 23 AR banks with half to twice its assets, ahead of 65% of them.
What is First Arkansas Bank and Trust's efficiency ratio?
70.51% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 57.44%, and lower is better.
Is First Arkansas Bank and Trust growing its loans?
Net loans grew 6.1% over the year to Q2 2026, while deposits grew 1.9%.
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.