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Bank of England

England, AR · Cert 13303 · MHBC Investments Partnership I LLLP

State charter, non-member · FDIC · 6 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

92

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

6

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

Bank of England

England, AR · Cert 13303 · MHBC Investments Partnership I LLLP

State charter, non-member · FDIC · 6 branches

Q2 2026

$332.3MAssets
$98.5MLoans
$254.1MDeposits
$65.0MEquity
Loan mix
86%RE $68.5M11%C&I $8.5M4%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $160.1M37%Noninterest $94.0MQ2 2025Q2 2026

NIM

4.44%Q2 ’244.40%Q2 ’254.11%Q2 ’26+1%0%

Non-interest income vs. expense

22.11%Q2 ’248.37%Q2 ’255.58%Q2 ’26+45%-37%

Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.7% share · #19 of 42 inst. · $0.3B of $36.9B

13.4% Lonoke
0.1% Pulaski

Executive Summary

  • Earnings: ROA of 0.35%, up 123 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 4.26% of loans (+95 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 19.91%, up 83 bps from a year ago.
  • Funding: loans stand at 38.78% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.35%+123 bps YoY

Net Interest Margin (YTD, annualized)

3.15%0 bps YoY

Efficiency Ratio (YTD, annualized)

93.40%-2,393 bps YoY

Tier 1 Leverage Ratio

19.91%+83 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.88%-0.39%-0.25%0.41%0.35%+123 bps
Return on Equity-4.75%-2.08%-1.33%2.08%1.79%+654 bps
Net Interest Margin3.15%3.24%3.19%3.07%3.15%0 bps
Efficiency Ratio117.33%108.93%107.39%94.40%93.40%-2,393 bps
Non-Interest Burden4.39%3.88%3.70%2.73%2.75%-163 bps
Growth
Asset Growth (YoY)-14.66%-16.10%-11.90%-5.39%-1.05%+1,360 bps
Loan Growth (YoY)-47.78%-32.60%-12.05%-16.41%-5.80%+4,198 bps
Deposit Growth (YoY)-13.31%-14.59%-11.68%-3.20%-0.32%+1,299 bps
Asset Quality
Nonperforming Loans / Loans3.30%3.30%3.52%3.79%4.26%+95 bps
Net Charge-Offs / Loans0.02%0.03%0.02%0.00%-0.01%-3 bps
Allowance / Loans3.29%3.02%3.19%3.25%3.13%-16 bps
Allowance Coverage of NPLs1.0x0.9x0.9x0.9x0.7x-0.3x
Capital
Tier 1 Leverage Ratio19.08%19.63%19.60%20.16%19.91%+83 bps
Total Risk-Based Capital24.11%24.36%25.12%25.70%25.76%+165 bps
Equity / Assets19.23%19.31%19.96%19.79%19.57%+34 bps
Liquidity & Funding
Loans / Deposits41.04%41.94%40.02%36.97%38.78%-226 bps
Liquid Assets / Assets19.45%20.05%22.88%23.53%15.92%-353 bps
CRE / Total Capitaln/a48.83%47.71%39.60%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

Bank of England

England, AR · Cert 13303 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · MHBC Investments Partnership I LLLP

State charter, non-member · FDIC · 6 branches

Q2 2026

$332.3MAssets
$98.5MLoans
$254.1MDeposits
$65.0MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 95% of banks under $1B in assets operating in a single state (rank 37 of 746).
  • Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets operating in a single state (rank 724 of 743).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.35%

Rank 656 of 746

Net Interest Margin

3.15%

Rank 568 of 746

Efficiency Ratio

93.40%

Rank 705 of 746

Equity / Assets

19.57%

Rank 37 of 746

Non-interest income vs. expense

$9.4M$18.6MINCOMEEXPENSE
Unfavorable gap of $9.1M · efficiency ratio beats 6% of banks under $1B in assets operating in a single state
Bank 93.40%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.35%0.72%1.06%1.45%Beats 12%656 / 746
Return on Equity1.80%6.74%10.51%13.63%Beats 8%688 / 746
Net Interest Margin3.15%3.17%3.68%4.16%Beats 24%568 / 746
Efficiency Ratio93.40%55.74%64.58%75.47%Beats 6%705 / 746
Asset Quality
Nonperforming Loans / Loans4.26%0.09%0.42%1.07%Beats 3%724 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 72%209 / 743
Capital
Tier 1 Capital Ratio24.59%11.55%13.75%17.60%Beats 91%70 / 746
Total Risk-Based Capital Ratio25.76%11.71%14.33%18.43%Beats 91%68 / 746
Equity / Assets19.57%8.90%10.51%13.06%Beats 95%37 / 746
Liquidity & Funding
Loans / Deposits38.78%61.31%78.27%90.78%5th pctl711 / 746
Loans / Assets29.64%53.60%66.97%76.08%3rd pctl723 / 746
Brokered Deposits / Depositsn/aNot reported for this institution