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Letter portraitLegal landscapeQuarterYTD

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