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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

4.31%Q2 ’244.41%Q2 ’254.21%Q2 ’26+7%+2%

Non-interest income vs. expense

22.31%Q2 ’247.78%Q2 ’255.61%Q2 ’26+230%-35%

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 0.30%, up 103 bps year over year; NIM at 3.27%.
  • 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 (quarter, annualized)

0.30%+103 bps YoY

Net Interest Margin (quarter, annualized)

3.27%+6 bps YoY

Efficiency Ratio (quarter, annualized)

92.43%-2,447 bps YoY

Tier 1 Leverage Ratio

19.91%+83 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.74%0.63%0.18%0.41%0.30%+103 bps
Return on Equity-3.89%3.27%0.90%2.08%1.51%+539 bps
Net Interest Margin3.21%3.29%3.09%3.07%3.27%+6 bps
Efficiency Ratio116.90%91.63%101.74%94.40%92.43%-2,447 bps
Non-Interest Burden4.34%2.69%3.20%2.73%2.81%-152 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 / Loans0.00%0.05%-0.01%0.00%-0.01%-1 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