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FBT Bank & Mortgage

Fordyce, AR · Cert 1028 · FBT Bancshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

9

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

34

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

FBT Bank & Mortgage

Fordyce, AR · Cert 1028 · FBT Bancshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$263.6MAssets
$158.2MLoans
$222.1MDeposits
$17.4MEquity
Loan mix
69%RE $105.0M23%C&I $34.5M8%Consumer $12.0MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $163.6M26%Noninterest $58.5MQ2 2025Q2 2026

NIM

5.36%Q2 ’245.72%Q2 ’255.65%Q2 ’26+10%+8%

Non-interest income vs. expense

2.99%Q2 ’243.25%Q2 ’253.31%Q2 ’26+12%+2%

Executive Summary

  • Earnings: ROA of 1.10%, up 24 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.69% of loans (-16 bps YoY), with net charge-offs at 0.34%.
  • Capital: tier 1 leverage ratio of 10.39%, up 56 bps from a year ago.
  • Funding: loans stand at 71.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.10%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.98%+31 bps YoY

Efficiency Ratio (YTD, annualized)

71.33%-364 bps YoY

Tier 1 Leverage Ratio

10.39%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.90%0.62%1.17%1.10%+24 bps
Return on Equity16.69%16.57%10.84%17.72%16.70%+2 bps
Net Interest Margin3.67%3.72%3.75%4.17%3.98%+31 bps
Efficiency Ratio74.98%74.66%79.91%70.44%71.33%-364 bps
Non-Interest Burden2.58%2.61%2.84%2.72%2.64%+6 bps
Growth
Asset Growth (YoY)0.82%1.37%-2.47%-0.95%2.91%+209 bps
Loan Growth (YoY)5.89%2.57%2.46%4.06%5.60%-29 bps
Deposit Growth (YoY)0.94%-2.05%-2.13%-7.46%-0.51%-145 bps
Asset Quality
Nonperforming Loans / Loans0.86%0.91%0.95%0.99%0.69%-16 bps
Net Charge-Offs / Loans0.02%0.04%0.03%0.35%0.34%+33 bps
Allowance / Loans1.50%1.49%1.59%1.47%1.36%-14 bps
Allowance Coverage of NPLs1.8x1.6x1.7x1.5x2.0x+0.2x
Capital
Tier 1 Leverage Ratio9.83%9.98%10.13%10.57%10.39%+56 bps
Total Risk-Based Capital9.83%9.98%10.13%10.57%10.39%+56 bps
Equity / Assets5.21%6.16%6.78%6.44%6.61%+140 bps
Liquidity & Funding
Loans / Deposits67.08%68.43%70.23%74.14%71.20%+412 bps
Liquid Assets / Assets17.40%16.31%17.12%16.18%17.02%-38 bps
CRE / Total Capitaln/a181.56%174.63%189.72%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

FBT Bank & Mortgage

Fordyce, AR · Cert 1028 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · FBT Bancshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$263.6MAssets
$158.2MLoans
$222.1MDeposits
$17.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 87% of banks under $1B in assets operating in a single state (rank 95 of 746).
  • Widest gap: equity / assets trails 96% of banks under $1B in assets operating in a single state (rank 716 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.06%

Rank 371 of 746

Net Interest Margin

3.98%

Rank 255 of 746

Efficiency Ratio

71.33%

Rank 492 of 746

Equity / Assets

6.61%

Rank 716 of 746

Non-interest income vs. expense

$1.8M$8.8MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 34% of banks under $1B in assets operating in a single state
Bank 71.33%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.06%0.72%1.06%1.45%Beats 50%371 / 746
Return on Equity16.08%6.74%10.51%13.63%Beats 87%95 / 746
Net Interest Margin3.98%3.17%3.68%4.16%Beats 66%255 / 746
Efficiency Ratio71.33%55.74%64.58%75.47%Beats 34%492 / 746
Asset Quality
Nonperforming Loans / Loans0.69%0.09%0.42%1.07%Beats 38%463 / 743
Net Charge-Offs / Loans0.23%0.00%0.01%0.05%Beats 6%696 / 743
Capital
Tier 1 Capital Ratio10.39%11.55%13.75%17.60%Beats 13%652 / 746
Total Risk-Based Capital Ratio10.39%11.71%14.33%18.43%Beats 11%661 / 746
Equity / Assets6.61%8.90%10.51%13.06%Beats 4%716 / 746
Liquidity & Funding
Loans / Deposits71.20%61.31%78.27%90.78%37th pctl470 / 746
Loans / Assets60.01%53.60%66.97%76.08%35th pctl485 / 746
Brokered Deposits / Depositsn/aNot reported for this institution