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Bank of Cave City

Cave City, AR · Cert 105 · Sharp 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=748 to 752). 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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

94

Q2 2024Q2 2026peer median

Efficiency

16

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 2026-10-10

Bank of Cave City

Cave City, AR · Cert 105 · Sharp Bancshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$194.4MAssets
$131.8MLoans
$171.9MDeposits
$11.5MEquity
Loan mix
89%RE $98.7M7%C&I $8.3M4%Consumer $4.5MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $148.9M13%Noninterest $23.0MQ2 2025Q2 2026

NIM

5.47%Q2 ’245.82%Q2 ’255.65%Q2 ’26+12%+1%

Non-interest income vs. expense

3.23%Q2 ’243.38%Q2 ’253.76%Q2 ’26+9%+12%

Executive Summary

  • Earnings: ROA of 0.62%, down 27 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 1.62% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 8.38%, down 2 bps from a year ago.
  • Funding: loans stand at 76.68% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.62%-27 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+5 bps YoY

Efficiency Ratio (YTD, annualized)

81.11%+657 bps YoY

Tier 1 Leverage Ratio

8.38%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.92%0.89%0.60%0.62%-27 bps
Return on Equity17.34%17.07%16.09%9.86%10.37%-697 bps
Net Interest Margin3.81%3.84%3.90%3.87%3.86%+5 bps
Efficiency Ratio74.54%74.35%75.66%81.50%81.11%+657 bps
Non-Interest Burden2.65%2.66%2.76%3.01%2.98%+33 bps
Growth
Asset Growth (YoY)2.26%3.61%-0.71%-3.02%1.83%-42 bps
Loan Growth (YoY)2.64%0.14%-5.78%-5.62%2.30%-34 bps
Deposit Growth (YoY)7.62%9.47%3.09%0.96%1.73%-589 bps
Asset Quality
Nonperforming Loans / Loans1.62%2.13%1.99%1.83%1.62%0 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.08%0.12%+10 bps
Allowance / Loans0.65%0.65%0.67%0.68%0.64%-1 bps
Allowance Coverage of NPLs0.4x0.3x0.3x0.4x0.4x0.0x
Capital
Tier 1 Leverage Ratio8.41%8.38%8.41%8.56%8.38%-2 bps
Total Risk-Based Capital22.49%22.73%23.11%21.29%21.80%-69 bps
Equity / Assets5.54%5.91%6.17%5.97%5.94%+40 bps
Liquidity & Funding
Loans / Deposits76.25%75.60%74.25%74.82%76.68%+42 bps
Liquid Assets / Assets0.21%0.19%0.18%0.24%0.20%-1 bps
CRE / Total Capitaln/a102.14%106.11%118.75%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 2026-10-10

Bank of Cave City

Cave City, AR · Cert 105 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Sharp Bancshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$194.4MAssets
$131.8MLoans
$171.9MDeposits
$11.5MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 84% of banks under $1B in assets operating in a single state (rank 119 of 752).
  • Widest gap: equity / assets trails 98% of banks under $1B in assets operating in a single state (rank 736 of 752).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.61%

Rank 609 of 752

Net Interest Margin

3.86%

Rank 318 of 752

Efficiency Ratio

81.11%

Rank 634 of 752

Equity / Assets

5.94%

Rank 736 of 752

Non-interest income vs. expense

$1.5M$7.3MINCOMEEXPENSE
Unfavorable gap of $5.8M · efficiency ratio beats 16% of banks under $1B in assets operating in a single state
Bank 81.11%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.61%0.72%1.07%1.45%Beats 19%609 / 752
Return on Equity10.35%6.78%10.58%13.65%Beats 49%385 / 752
Net Interest Margin3.86%3.18%3.69%4.17%Beats 58%318 / 752
Efficiency Ratio81.11%55.75%64.49%75.47%Beats 16%634 / 752
Asset Quality
Nonperforming Loans / Loans1.62%0.09%0.42%1.03%Beats 15%635 / 748
Net Charge-Offs / Loans0.07%0.00%0.01%0.05%Beats 20%599 / 748
Capital
Tier 1 Capital Ratio20.62%11.55%13.75%17.60%Beats 84%119 / 752
Total Risk-Based Capital Ratio21.80%11.70%14.33%18.47%Beats 84%118 / 752
Equity / Assets5.94%8.93%10.56%13.13%Beats 2%736 / 752
Liquidity & Funding
Loans / Deposits76.68%62.23%78.64%91.26%46th pctl403 / 752
Loans / Assets67.80%54.61%67.41%76.47%51st pctl368 / 752
Brokered Deposits / Depositsn/aNot reported for this institution