TellerScore

Headquartered in Helena, Arkansas, Partners Bank is a state-chartered bank with $417.1M in total assets and $354.0M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1940.

Based on its Q2 2026 filing, Partners Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 35th. Its strongest component is problem-loan coverage (89/100; 5.6%), and its lowest is funding & liquidity (42/100; 102% loans-to-deposits, 29% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion87/100
Tier 1 leverage ratio: 13.73%
Loan quality69/100
Noncurrent loans ÷ total loans: 0.93%
Earnings61/100
Return on assets (annualized): 1.04%
Funding & liquidity42/100
Loans ÷ deposits and uninsured-deposit share: 102.4% · 29.2% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.56%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 71).

TellerScore
657075Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202470
Q4 202468
Q1 202571
Q2 202572
Q3 202571
Q4 202565
Q1 202675
Q2 202671
Tier 1 leverage ratio
5.00%9.36%13.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.87%
Q3 202411.51%
Q4 202411.83%
Q1 202512.24%
Q2 202512.23%
Q3 202512.15%
Q4 202512.97%
Q1 202613.67%
Q2 202613.73%
Noncurrent loans
0.10%0.74%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.28%
Q3 20240.10%
Q4 20240.48%
Q1 20250.27%
Q2 20250.26%
Q3 20250.40%
Q4 20251.37%
Q1 20260.57%
Q2 20260.93%
Return on assets
0.86%1.02%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.86%
Q3 20240.90%
Q4 20240.92%
Q1 20250.98%
Q2 20251.13%
Q3 20251.11%
Q4 20251.17%
Q1 20261.04%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$417.1M13.73%0.93%1.04%102.4%
Q1 202675$404.1M13.67%0.57%1.04%96.9%
Q4 202565$415.3M12.97%1.37%1.17%99.8%
Q3 202571$441.7M12.15%0.40%1.11%111.8%
Q2 202572$436.6M12.23%0.26%1.13%114.3%
Q1 202571$429.3M12.24%0.27%0.98%106.7%
Q4 202468$442.6M11.83%0.48%0.92%101.4%
Q3 202470$442.5M11.51%0.10%0.90%107.9%
Q2 202470$435.0M11.87%0.28%0.86%104.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.73%
80th
Total risk-based capital16.96%
78th
Problem loans0.93%
30th
Net charge-offs0.39%
7th
Return on assets1.04%
36th
Net interest margin4.45%
78th
Efficiency ratio65.4%
41st
Loans to deposits102.4%
8th
Uninsured deposits29.2%
31st
Loan-loss reserves1.82%
91st
Texas ratio5.6%
32nd

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Merchants & Planters' BankBank Newport, AR62 out of 100, Moderate$379.4M10.2%1.29%vs
Commercial Bank & Trust CompanyBank Monticello, AR40 out of 100, Below average$364.0M11.3%5.40%vs
Union Bank & Trust CompanyBank Monticello, AR66 out of 100, Moderate$355.8M10.2%1.11%vs
Today's BankBank Huntsville, AR62 out of 100, Moderate$351.0M9.5%0.74%vs
Bank of 1889Bank Berryville, AR72 out of 100, Strong$339.2M10.8%0.84%vs
Bank of EnglandBank England, AR57 out of 100, Moderate$332.3M19.9%4.26%vs

Deposit insurance

Is my money safe at Partners Bank?

Yes. Partners Bank is an FDIC-insured institution (FDIC certificate #15729). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.2% of deposits ($103.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.73%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.96% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Partners Bank lists 10 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Partners Bank reported 76 home-loan applications under HMDA (LEI 549300EF3CM0UIOIS476): 51 originated ($14,125,000 total), 5 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Partners Bank
Former names
Helena National Bank; HNB Bank
Type
State-chartered bank
FDIC certificate #
15729
RSSD ID
335346
Primary regulator
FDIC
Holding company
Helena Bancshares Inc
Established
April 1, 1940
Headquarters
302 Cherry St, Helena, AR 72342
Employees
66

Quick answers

Partners Bank: common questions

Is Partners Bank FDIC insured?

Yes. Partners Bank is an FDIC-insured institution (FDIC certificate #15729). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Partners Bank's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Partners Bank ever failed?

There is no failure record for FDIC certificate #15729 in the FDIC failed bank list.

How many branches does Partners Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Helena

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of Eastern ArkansasBank Forrest City, AR72 out of 100, Strong$589.5M11.0%0.64%vs
Planters Bank & Trust CompanyBank Indianola, MS71 out of 100, Strong$2.7B11.2%0.61%vs
First Security BankBank Batesville, MS66 out of 100, Moderate$976.5M9.3%0.55%vs
Armor BankBank Forrest City, AR66 out of 100, Moderate$516.9M9.4%0.41%vs
Southern Bancorp BankBank Arkadelphia, AR61 out of 100, Moderate$3.0B11.9%1.42%vs
Citizens Bank & Trust Co.Bank Marks, MS53 out of 100, Below average$98.6M14.0%5.50%vs