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Farmers Bank

Greenwood, AR · Cert 1296 · Wilkinson Banking Corp.

State charter, non-member · FDIC · 10 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

71

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

36

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

Farmers Bank

Greenwood, AR · Cert 1296 · Wilkinson Banking Corp.

State charter, non-member · FDIC · 10 branches

Q2 2026

$288.7MAssets
$164.8MLoans
$247.9MDeposits
$39.7MEquity
Loan mix
81%RE $132.3M12%C&I $19.5M7%Consumer $11.9MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $181.0M27%Noninterest $66.9MQ2 2025Q2 2026

NIM

4.49%Q2 ’244.68%Q2 ’254.83%Q2 ’26+8%+14%

Non-interest income vs. expense

3.12%Q2 ’243.02%Q2 ’253.24%Q2 ’26+72%+11%

Market Position · Fort Smith, AR-OK · 2026 SOD (annual) · 3.9% share · #8 of 20 inst. · $0.2B of $6.0B

5.9% Sebastian
6.4% Scott

Executive Summary

  • Earnings: ROA of 1.16%, up 16 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.20% of loans (-15 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 16.23%, up 27 bps from a year ago.
  • Funding: loans stand at 66.48% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.16%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.73%+44 bps YoY

Efficiency Ratio (YTD, annualized)

70.70%-212 bps YoY

Tier 1 Leverage Ratio

16.23%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%0.93%0.80%1.02%1.16%+16 bps
Return on Equity7.88%7.23%6.13%7.51%8.48%+60 bps
Net Interest Margin3.29%3.34%3.37%3.66%3.73%+44 bps
Efficiency Ratio72.82%74.70%76.08%73.51%70.70%-212 bps
Non-Interest Burden2.14%2.25%2.33%2.45%2.37%+23 bps
Growth
Asset Growth (YoY)1.18%0.20%3.68%1.53%0.42%-77 bps
Loan Growth (YoY)-0.39%3.28%4.69%6.40%5.01%+540 bps
Deposit Growth (YoY)0.72%-0.32%2.57%0.45%-0.96%-167 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.37%0.44%0.66%0.20%-15 bps
Net Charge-Offs / Loans0.04%0.04%0.04%0.01%0.01%-3 bps
Allowance / Loans0.79%0.76%0.75%0.74%0.73%-6 bps
Allowance Coverage of NPLs2.3x2.0x1.7x1.1x3.7x+1.4x
Capital
Tier 1 Leverage Ratio15.96%16.13%16.15%15.80%16.23%+27 bps
Total Risk-Based Capital15.96%16.13%16.15%15.80%16.23%+27 bps
Equity / Assets12.59%13.68%13.72%13.55%13.74%+115 bps
Liquidity & Funding
Loans / Deposits62.71%66.67%66.07%66.79%66.48%+378 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a96.32%96.76%96.57%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

Farmers Bank

Greenwood, AR · Cert 1296 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Wilkinson Banking Corp.

State charter, non-member · FDIC · 10 branches

Q2 2026

$288.7MAssets
$164.8MLoans
$247.9MDeposits
$39.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 79% of banks under $1B in assets operating in a single state (rank 156 of 746).
  • Widest gap: efficiency ratio trails 64% of banks under $1B in assets operating in a single state (rank 480 of 746).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.15%

Rank 325 of 746

Net Interest Margin

3.73%

Rank 356 of 746

Efficiency Ratio

70.70%

Rank 480 of 746

Equity / Assets

13.74%

Rank 156 of 746

Non-interest income vs. expense

$2.5M$9.3MINCOMEEXPENSE
Unfavorable gap of $6.8M · efficiency ratio beats 36% of banks under $1B in assets operating in a single state
Bank 70.70%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.15%0.72%1.06%1.45%Beats 56%325 / 746
Return on Equity8.41%6.74%10.51%13.63%Beats 37%473 / 746
Net Interest Margin3.73%3.17%3.68%4.16%Beats 52%356 / 746
Efficiency Ratio70.70%55.74%64.58%75.47%Beats 36%480 / 746
Asset Quality
Nonperforming Loans / Loans0.20%0.09%0.42%1.07%Beats 66%250 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 54%343 / 743
Capital
Tier 1 Capital Ratio16.23%11.55%13.75%17.60%Beats 69%230 / 746
Total Risk-Based Capital Ratio16.23%11.71%14.33%18.43%Beats 65%261 / 746
Equity / Assets13.74%8.90%10.51%13.06%Beats 79%156 / 746
Liquidity & Funding
Loans / Deposits66.48%61.31%78.27%90.78%32nd pctl511 / 746
Loans / Assets57.07%53.60%66.97%76.08%31st pctl515 / 746
Brokered Deposits / Depositsn/aNot reported for this institution