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Letter portraitLegal landscapeQuarterYTD

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