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FNBC Bank

Ash Flat, AR · Cert 1294 · FNBC Bcorp Inc.

State charter, Fed member · FED · 16 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 regionally3

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 regionally (n=94). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

49

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

FNBC Bank

Ash Flat, AR · Cert 1294 · FNBC Bcorp Inc.

State charter, Fed member · FED · 16 branches

Q2 2026

$843.3MAssets
$614.3MLoans
$704.1MDeposits
$68.6MEquity
Loan mix
84%RE $490.1M9%C&I $51.9M7%Consumer $38.8MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $516.7M27%Noninterest $187.4MQ2 2025Q2 2026

NIM

5.37%Q2 ’245.94%Q2 ’255.89%Q2 ’26+28%+4%

Non-interest income vs. expense

2.88%Q2 ’243.19%Q2 ’252.90%Q2 ’26+7%-7%

Market Position · Jonesboro, AR · 2026 SOD (annual) · 2.1% share · #18 of 25 inst. · $0.1B of $4.7B

52.8% Sharp
35.0% Izard
2.3% Craighead
4.8% Baxter

Executive Summary

  • Earnings: ROA of 1.30%, up 22 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.79% of loans (+29 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 9.68%, up 26 bps from a year ago.
  • Funding: loans stand at 87.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.30%+22 bps YoY

Net Interest Margin (YTD, annualized)

4.08%+15 bps YoY

Efficiency Ratio (YTD, annualized)

60.92%-672 bps YoY

Tier 1 Leverage Ratio

9.68%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.09%1.09%1.23%1.30%+22 bps
Return on Equity16.10%15.84%15.60%16.41%16.80%+69 bps
Net Interest Margin3.93%3.88%3.89%3.96%4.08%+15 bps
Efficiency Ratio67.64%66.30%65.70%61.92%60.92%-672 bps
Non-Interest Burden2.50%2.43%2.41%2.31%2.33%-17 bps
Growth
Asset Growth (YoY)1.81%5.20%5.89%5.02%3.71%+189 bps
Loan Growth (YoY)4.61%8.78%9.94%8.65%8.74%+412 bps
Deposit Growth (YoY)12.84%3.87%0.14%-3.63%-1.19%-1,403 bps
Asset Quality
Nonperforming Loans / Loans0.50%1.31%0.63%0.82%0.79%+29 bps
Net Charge-Offs / Loans0.05%0.05%0.06%0.04%0.06%+1 bps
Allowance / Loans1.91%1.90%1.90%1.91%1.92%+1 bps
Allowance Coverage of NPLs3.8x1.4x3.0x2.3x2.4x-1.4x
Capital
Tier 1 Leverage Ratio9.42%9.36%9.14%9.48%9.68%+26 bps
Total Risk-Based Capital13.14%13.06%12.77%13.36%13.70%+55 bps
Equity / Assets6.90%7.47%7.45%7.58%8.14%+124 bps
Liquidity & Funding
Loans / Deposits79.28%82.43%86.01%88.09%87.24%+797 bps
Liquid Assets / Assets0.55%0.70%1.05%0.90%0.69%+13 bps
CRE / Total Capitaln/a304%322%319%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

FNBC Bank

Ash Flat, AR · Cert 1294 · Peer group: banks under $1B in assets operating regionally (n=94) · FNBC Bcorp Inc.

State charter, Fed member · FED · 16 branches

Q2 2026

$843.3MAssets
$614.3MLoans
$704.1MDeposits
$68.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 88% of banks under $1B in assets operating regionally (rank 11 of 94).
  • Widest gap: equity / assets trails 87% of banks under $1B in assets operating regionally (rank 82 of 94).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.30%

Rank 36 of 94

Net Interest Margin

4.08%

Rank 28 of 94

Efficiency Ratio

62.52%

Rank 49 of 94

Equity / Assets

8.14%

Rank 82 of 94

Non-interest income vs. expense

$5.0M$25.1MINCOMEEXPENSE
Unfavorable gap of $20.1M · efficiency ratio beats 49% of banks under $1B in assets operating regionally
Bank 62.52%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.30%0.82%1.19%1.46%Beats 62%36 / 94
Return on Equity16.00%7.85%11.84%14.03%Beats 88%11 / 94
Net Interest Margin4.08%3.42%3.81%4.18%Beats 70%28 / 94
Efficiency Ratio62.52%55.99%62.41%73.02%Beats 49%49 / 94
Asset Quality
Nonperforming Loans / Loans0.79%0.19%0.47%1.14%Beats 34%63 / 94
Net Charge-Offs / Loans0.05%0.00%0.02%0.05%Beats 27%70 / 94
Capital
Tier 1 Capital Ratio12.44%10.28%11.95%15.07%Beats 54%43 / 94
Total Risk-Based Capital Ratio13.70%10.31%12.59%15.88%Beats 60%38 / 94
Equity / Assets8.14%8.98%10.21%11.41%Beats 13%82 / 94
Liquidity & Funding
Loans / Deposits87.24%72.62%84.44%94.55%59th pctl39 / 94
Loans / Assets72.84%62.50%72.84%78.99%50th pctl47 / 94
Brokered Deposits / Depositsn/aNot reported for this institution