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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

$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 2.77%, up 182 bps year over year; NIM at 4.58%.
  • 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 (quarter, annualized)

2.77%+182 bps YoY

Net Interest Margin (quarter, annualized)

4.58%+36 bps YoY

Efficiency Ratio (quarter, annualized)

43.26%-541 bps YoY

Tier 1 Leverage Ratio

31.14%+55 bps YoY

NIM

5.06%Q2 ’245.27%Q2 ’255.55%Q2 ’26+5%+9%

Non-interest income vs. expense

2.18%Q2 ’242.37%Q2 ’252.28%Q2 ’26+16%-7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.04%-0.24%2.21%0.95%2.86%0.42%3.02%2.77%+182 bps
Return on Equity6.89%-0.80%7.51%3.21%9.61%1.43%10.22%9.24%+603 bps
Net Interest Margin4.11%4.09%3.93%4.21%4.69%4.60%4.36%4.58%+36 bps
Efficiency Ratio46.23%91.63%46.20%48.67%44.13%76.88%38.89%43.26%-541 bps
Non-Interest Burden1.54%3.69%1.41%1.72%1.66%3.36%0.85%1.60%-12 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%0.33%-0.01%3.80%0.00%0.08%0.01%0.00%-380 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