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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 $11.9MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $181.0M27%Noninterest $66.9MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.00%0.92%1.00%0.93%0.80%1.02%1.16%+16 bps
Return on Equity8.93%8.06%7.25%7.88%7.23%6.13%7.51%8.48%+60 bps
Net Interest Margin3.09%3.12%3.26%3.29%3.34%3.37%3.66%3.73%+44 bps
Efficiency Ratio67.96%71.81%74.95%72.82%74.70%76.08%73.51%70.70%-212 bps
Non-Interest Burden1.58%1.83%2.22%2.14%2.25%2.33%2.45%2.37%+23 bps
Growth
Asset Growth (YoY)2.07%0.22%-0.50%1.18%0.20%3.68%1.53%0.42%-77 bps
Loan Growth (YoY)-1.89%-2.23%-2.22%-0.39%3.28%4.69%6.40%5.01%+540 bps
Deposit Growth (YoY)-0.08%-0.34%-1.57%0.72%-0.32%2.57%0.45%-0.96%-167 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.17%0.19%0.34%0.37%0.44%0.66%0.20%-15 bps
Net Charge-Offs / Loans0.03%0.03%0.02%0.04%0.04%0.04%0.01%0.01%-3 bps
Allowance / Loans0.83%0.82%0.82%0.79%0.76%0.75%0.74%0.73%-6 bps
Allowance Coverage of NPLs9.3x4.8x4.3x2.3x2.0x1.7x1.1x3.7x+1.4x
Capital
Tier 1 Leverage Ratio15.97%16.16%15.84%15.96%16.13%16.15%15.80%16.23%+27 bps
Total Risk-Based Capital15.97%16.16%15.84%15.96%16.13%16.15%15.80%16.23%+27 bps
Equity / Assets13.22%12.77%12.67%12.59%13.68%13.72%13.55%13.74%+115 bps
Liquidity & Funding
Loans / Deposits64.34%64.74%63.06%62.71%66.67%66.07%66.79%66.48%+378 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/a96.32%96.76%96.57%n/an/a