Smackover State Bank: how it compares with its peers
Against 29 AR banks with half to twice its assets, Smackover State Bank's strongest measure in Q2 2026 is assets per employee ($7.4M vs. a $5.9M peer median). Its weakest relative measure is net interest margin (3.19% vs. 4.24%).
| Measure | Smackover State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.17% | 1.21% | Middle third Ahead of 41% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.19% | 4.24% | Bottom third Ahead of 3% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.68% | 65.43% | Top third Ahead of 72% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $5.9M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.96% | 82.79% | Context |
What it means for lending operations
Its efficiency ratio of 52.68% is better than the 65.43% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Little Rock Little Rock, AR · $253M
- Bodcaw Bank Stamps, AR · $247M
- Petit Jean State Bank Morrilton, AR · $260M
- Bank of Salem Salem, AR · $262M
- FBT Bank & Mortgage Fordyce, AR · $264M
- The First National Bank of Izard County Calico Rock, AR · $235M
Questions about Smackover State Bank
How big is Smackover State Bank?
Smackover State Bank, established in 1928, is headquartered in Smackover, AR. It reported $252M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Smackover State Bank's return on assets?
1.17% annualized in Q2 2026, against a 1.21% median for 29 AR banks with half to twice its assets, ahead of 41% of them.
What is Smackover State Bank's efficiency ratio?
52.68% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 65.43%, and lower is better.
Is Smackover State Bank growing its loans?
Net loans grew 3.5% over the year to Q2 2026, while deposits grew 2.1%.
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.