Armor Bank: how it compares with its peers
Against 33 AR banks with half to twice its assets, Armor Bank's strongest measure in Q2 2026 is assets per employee ($6.9M vs. a $6.2M peer median). Its weakest relative measure is return on assets (0.88% vs. 1.22%).
| Measure | Armor Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.88% | 1.22% | Bottom third Ahead of 15% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.04% | 4.06% | Middle third Ahead of 45% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.71% | 60.92% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $6.2M | Top third Ahead of 79% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.71% | 82.79% | Context |
What it means for lending operations
Its efficiency ratio of 70.71% is above the 60.92% 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
- First State Bank of DeQueen De Queen, AR · $525M
- Eagle Bank and Trust Company Little Rock, AR · $506M
- Fidelity Bank West Memphis, AR · $547M
- Citizens' Bank & Trust Co. Van Buren, AR · $566M
- First National Bank of Eastern Arkansas Forrest City, AR · $589M
- Cross Bank Wynne, AR · $593M
Questions about Armor Bank
How big is Armor Bank?
Armor Bank, established in 1919, is headquartered in Forrest City, AR. It reported $517M in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is Armor Bank's return on assets?
0.88% annualized in Q2 2026, against a 1.22% median for 33 AR banks with half to twice its assets, ahead of 15% of them.
What is Armor Bank's efficiency ratio?
70.71% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 60.92%, and lower is better.
Is Armor Bank growing its loans?
Net loans grew 8.4% over the year to Q2 2026, while deposits grew 7.7%.
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.