Armor Bank
Total assets
$516.9M
▲ +10.3% YoY
Deposits
$460.5M
▲ +7.7% YoY
Loans
$390.0M
▲ +8.4% YoY
Offices
13
BIG CREEK BANCSHARES INC
ROA (annualized)
0.88%
peers 1.28%
ROE (annualized)
10.24%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Armor Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +4.9% | +5.4 pts |
| Deposit growth (YoY) | +7.7% | +4.3% | +3.3 pts |
| Loan growth (YoY) | +8.4% | +5.3% | +3.1 pts |
| ROA | 0.88% | 1.28% | -0.4 pts |
| ROE | 10.2% | 12.4% | -2.2 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
Profile
- Established
- 1919
- Charter
- State
- Primary regulator
- FED
- Holding company
- BIG CREEK BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 715 N Washington St, Forrest City, AR, 72335
- County
- St. Francis
- Metro area
- Forrest City, AR
- Offices
- 13
- FDIC cert #
- 28812
- RSSD ID
- 168571
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $516.9M | $460.5M | $390.0M | $43.7M | $2.2M | 0.88% | 4.04% | 0.31% |
| Q1 2026 | $499.5M | $454.7M | $366.9M | $42.6M | $992K | 0.81% | 3.91% | 0.00% |
| Q4 2025 | $481.6M | $438.1M | $362.6M | $41.8M | $3.3M | 0.69% | 3.84% | 0.12% |
| Q3 2025 | $487.1M | $421.5M | $369.4M | $40.3M | $2.5M | 0.71% | 3.70% | 0.12% |
| Q2 2025 | $468.8M | $427.7M | $359.8M | $39.0M | $1.4M | 0.60% | 3.57% | 0.14% |
| Q1 2025 | $468.7M | $428.8M | $357.5M | $37.9M | $554K | 0.47% | 3.42% | 0.02% |
| Q4 2024 | $466.6M | $416.8M | $362.3M | $36.4M | $1.0M | 0.22% | 3.11% | 0.02% |
| Q3 2024 | $493.3M | $419.3M | $359.9M | $37.2M | $465K | 0.14% | 3.01% | 0.00% |
Loan mix (Q2 2026): real estate $338.8M · commercial $32.9M · consumer $4.0M · securities $55.4M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Armor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 1.28% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 12.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.89% | 57th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 61.2% | 75th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Armor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Armor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Armor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Armor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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