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First National Bank of Izard County

Calico Rock, AR · Cert 11252 · Wyatt Bancshares Inc.

National charter · OCC · 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

96

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

97

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

First National Bank of Izard County

Calico Rock, AR · Cert 11252 · Wyatt Bancshares Inc.

National charter · OCC · 5 branches

Q2 2026

$234.8MAssets
$116.6MLoans
$160.0MDeposits
$71.3MEquity
Loan mix
80%RE $90.4M5%C&I $5.1M16%Consumer $18.0MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $113.4M29%Noninterest $46.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.90%, up 132 bps year over year; NIM at 4.44%.
  • Asset quality: problem loans at 2.09% of loans (-75 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 31.14%, up 55 bps from a year ago.
  • Funding: loans stand at 72.87% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.90%+132 bps YoY

Net Interest Margin (YTD, annualized)

4.44%+41 bps YoY

Efficiency Ratio (YTD, annualized)

41.00%-648 bps YoY

Tier 1 Leverage Ratio

31.14%+55 bps YoY

NIM

4.86%Q2 ’245.09%Q2 ’255.40%Q2 ’26+4%+10%

Non-interest income vs. expense

2.25%Q2 ’242.24%Q2 ’252.24%Q2 ’26+2%-21%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.08%1.49%2.21%1.58%2.01%1.60%3.02%2.90%+132 bps
Return on Equity7.00%5.04%7.51%5.35%6.79%5.42%10.22%9.72%+438 bps
Net Interest Margin3.93%3.90%3.93%4.03%4.25%4.29%4.36%4.44%+41 bps
Efficiency Ratio47.91%59.25%46.20%47.47%46.26%54.43%38.89%41.00%-648 bps
Non-Interest Burden1.51%2.03%1.41%1.55%1.58%2.01%0.85%1.22%-33 bps
Growth
Asset Growth (YoY)9.06%5.30%5.93%5.76%3.66%6.66%6.30%5.14%-62 bps
Loan Growth (YoY)12.47%13.35%12.67%11.86%6.92%5.89%4.21%3.54%-832 bps
Deposit Growth (YoY)8.80%5.86%6.13%6.08%2.92%6.50%6.14%3.95%-214 bps
Asset Quality
Nonperforming Loans / Loans3.13%3.19%3.70%2.84%2.04%2.35%2.52%2.09%-75 bps
Net Charge-Offs / Loans0.02%0.09%-0.01%1.90%1.25%0.95%0.01%0.00%-189 bps
Allowance / Loans1.09%1.00%0.97%0.72%0.71%0.93%0.92%0.91%+19 bps
Allowance Coverage of NPLs0.4x0.3x0.3x0.3x0.3x0.4x0.4x0.4x+0.2x
Capital
Tier 1 Leverage Ratio31.40%30.65%31.07%30.59%30.89%30.49%30.92%31.14%+55 bps
Total Risk-Based Capital31.40%30.65%31.07%30.59%30.89%30.49%30.92%31.14%+55 bps
Equity / Assets29.51%29.38%29.46%29.63%29.88%29.52%29.56%30.37%+74 bps
Liquidity & Funding
Loans / Deposits70.41%71.85%72.22%73.16%73.15%71.44%70.91%72.87%-29 bps
Liquid Assets / Assets9.32%1.40%1.18%0.95%0.93%5.25%5.06%5.01%+406 bps
CRE / Total Capitaln/an/an/an/a27.32%27.83%26.82%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

First National Bank of Izard County

Calico Rock, AR · Cert 11252 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Wyatt Bancshares Inc.

National charter · OCC · 5 branches

Q2 2026

$234.8MAssets
$116.6MLoans
$160.0MDeposits
$71.3MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 98% of banks under $1B in assets operating in a single state (rank 12 of 746).
  • Widest gap: nonperforming loans / loans trails 89% of banks under $1B in assets operating in a single state (rank 663 of 743).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.89%

Rank 12 of 746

Net Interest Margin

4.44%

Rank 111 of 746

Efficiency Ratio

41.00%

Rank 27 of 746

Equity / Assets

30.37%

Rank 15 of 746

Non-interest income vs. expense

$2.4M$5.3MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 97% of banks under $1B in assets operating in a single state
Bank 41.00%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.89%0.72%1.06%1.45%Beats 98%12 / 746
Return on Equity9.51%6.74%10.51%13.63%Beats 43%423 / 746
Net Interest Margin4.44%3.17%3.68%4.16%Beats 85%111 / 746
Efficiency Ratio41.00%55.74%64.58%75.47%Beats 97%27 / 746
Asset Quality
Nonperforming Loans / Loans2.09%0.09%0.42%1.07%Beats 11%663 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 59%304 / 743
Capital
Tier 1 Capital Ratio31.14%11.55%13.75%17.60%Beats 95%36 / 746
Total Risk-Based Capital Ratio31.14%11.71%14.33%18.43%Beats 95%38 / 746
Equity / Assets30.37%8.90%10.51%13.06%Beats 98%15 / 746
Liquidity & Funding
Loans / Deposits72.87%61.31%78.27%90.78%40th pctl448 / 746
Loans / Assets49.68%53.60%66.97%76.08%21st pctl592 / 746
Brokered Deposits / Depositsn/aNot reported for this institution