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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

$194.4MAssets
$131.8MLoans
$171.9MDeposits
$11.5MEquity
Loan mix
89%RE $98.7M7%C&I $8.3M4%Consumer $4.5MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $148.9M13%Noninterest $23.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.65%, down 34 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 1.62% of loans (0 bps YoY), with net charge-offs at 0.16%.
  • 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.

Return on Assets (quarter, annualized)

0.65%-34 bps YoY

Net Interest Margin (quarter, annualized)

3.94%-3 bps YoY

Efficiency Ratio (quarter, annualized)

80.73%+798 bps YoY

Tier 1 Leverage Ratio

8.38%-2 bps YoY

NIM

5.50%Q2 ’245.87%Q2 ’255.75%Q2 ’26+18%-1%

Non-interest income vs. expense

3.19%Q2 ’243.42%Q2 ’253.83%Q2 ’26+10%+13%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.75%0.80%0.99%0.95%0.79%0.60%0.65%-34 bps
Return on Equity12.45%14.33%15.97%18.54%16.68%13.10%9.86%10.99%-755 bps
Net Interest Margin3.45%3.62%3.63%3.97%3.92%4.09%3.87%3.94%-3 bps
Efficiency Ratio79.81%78.17%76.46%72.75%73.98%79.35%81.50%80.73%+798 bps
Non-Interest Burden2.60%2.65%2.60%2.68%2.70%3.09%3.01%3.02%+34 bps
Growth
Asset Growth (YoY)5.31%5.80%5.92%2.26%3.61%-0.71%-3.02%1.83%-42 bps
Loan Growth (YoY)1.99%5.91%7.55%2.64%0.14%-5.78%-5.62%2.30%-34 bps
Deposit Growth (YoY)7.70%8.19%7.97%7.62%9.47%3.09%0.96%1.73%-589 bps
Asset Quality
Nonperforming Loans / Loans1.01%1.15%1.25%1.62%2.13%1.99%1.83%1.62%0 bps
Net Charge-Offs / Loans-0.18%0.00%0.06%-0.03%0.01%0.02%0.08%0.16%+19 bps
Allowance / Loans0.65%0.64%0.62%0.65%0.65%0.67%0.68%0.64%-1 bps
Allowance Coverage of NPLs0.6x0.6x0.5x0.4x0.3x0.3x0.4x0.4x0.0x
Capital
Tier 1 Leverage Ratio8.29%8.34%8.23%8.41%8.38%8.41%8.56%8.38%-2 bps
Total Risk-Based Capital21.31%21.70%21.24%22.49%22.73%23.11%21.29%21.80%-69 bps
Equity / Assets5.64%4.83%5.16%5.54%5.91%6.17%5.97%5.94%+40 bps
Liquidity & Funding
Loans / Deposits82.64%81.25%80.03%76.25%75.60%74.25%74.82%76.68%+42 bps
Liquid Assets / Assets0.21%0.22%0.35%0.21%0.19%0.18%0.24%0.20%-1 bps
CRE / Total Capitaln/an/an/an/a102.14%106.11%118.75%n/an/a