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First State Bank

Russellville, AR · Cert 13632 · First State Banking Corp.

State charter, Fed member · FED · 5 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

72

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

69

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

First State Bank

Russellville, AR · Cert 13632 · First State Banking Corp.

State charter, Fed member · FED · 5 branches

Q2 2026

$665.4MAssets
$460.1MLoans
$547.0MDeposits
$108.8MEquity
Loan mix
85%RE $378.8M14%C&I $62.5M1%Consumer $2.5MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $427.1M22%Noninterest $119.9MQ2 2025Q2 2026

NIM

5.32%Q2 ’245.39%Q2 ’252.65%Q2 ’26+2%-44%

Non-interest income vs. expense

2.02%Q2 ’241.93%Q2 ’251.06%Q2 ’26-9%-40%

Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 0.2% share · #36 of 42 inst. · $0.0B of $20.2B

25.2% Pope
10.7% Yell
0.4% Washington

Executive Summary

  • Earnings: ROA of 0.62%, down 58 bps year over year; NIM at 1.79%.
  • Asset quality: problem loans at 0.04% of loans (+4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.42%, up 38 bps from a year ago.
  • Funding: loans stand at 84.10% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.62%-58 bps YoY

Net Interest Margin (YTD, annualized)

1.79%-141 bps YoY

Efficiency Ratio (YTD, annualized)

49.03%-402 bps YoY

Tier 1 Leverage Ratio

11.42%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.25%1.30%0.32%0.62%-58 bps
Return on Equity12.08%12.32%12.70%2.94%4.85%-724 bps
Net Interest Margin3.20%3.26%3.28%3.55%1.79%-141 bps
Efficiency Ratio53.05%53.55%54.36%86.92%49.03%-402 bps
Non-Interest Burden1.50%1.56%1.59%3.04%0.90%-59 bps
Growth
Asset Growth (YoY)10.32%8.33%3.05%2.54%11.22%+90 bps
Loan Growth (YoY)4.47%7.10%6.94%11.22%12.68%+821 bps
Deposit Growth (YoY)11.11%8.83%2.37%2.12%3.64%-748 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.01%0.04%+4 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.00%0 bps
Allowance / Loans1.38%1.30%1.29%1.26%1.13%-26 bps
Allowance Coverage of NPLsn/an/an/a97.3x25.2xn/a
Capital
Tier 1 Leverage Ratio11.04%11.13%11.18%11.40%11.42%+38 bps
Total Risk-Based Capital16.46%16.07%16.37%16.23%16.26%-20 bps
Equity / Assets10.22%10.63%10.86%10.91%16.35%+613 bps
Liquidity & Funding
Loans / Deposits77.35%80.95%80.93%83.62%84.10%+675 bps
Liquid Assets / Assets9.06%6.36%7.59%7.21%6.57%-249 bps
CRE / Total Capitaln/a336%328%334%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

First State Bank

Russellville, AR · Cert 13632 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First State Banking Corp.

State charter, Fed member · FED · 5 branches

Q2 2026

$665.4MAssets
$460.1MLoans
$547.0MDeposits
$108.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 90% of banks under $1B in assets operating in a single state (rank 72 of 746).
  • Widest gap: net interest margin trails 98% of banks under $1B in assets operating in a single state (rank 734 of 746).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.59%

Rank 613 of 746

Net Interest Margin

1.79%

Rank 734 of 746

Efficiency Ratio

57.59%

Rank 234 of 746

Equity / Assets

16.35%

Rank 72 of 746

Non-interest income vs. expense

$1.0M$7.0MINCOMEEXPENSE
Unfavorable gap of $6.0M · efficiency ratio beats 69% of banks under $1B in assets operating in a single state
Bank 57.59%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.59%0.72%1.06%1.45%Beats 18%613 / 746
Return on Equity3.60%6.74%10.51%13.63%Beats 13%651 / 746
Net Interest Margin1.79%3.17%3.68%4.16%Beats 2%734 / 746
Efficiency Ratio57.59%55.74%64.58%75.47%Beats 69%234 / 746
Asset Quality
Nonperforming Loans / Loans0.04%0.09%0.42%1.07%Beats 78%161 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 73%207 / 743
Capital
Tier 1 Capital Ratio15.08%11.55%13.75%17.60%Beats 62%284 / 746
Total Risk-Based Capital Ratio16.26%11.71%14.33%18.43%Beats 65%260 / 746
Equity / Assets16.35%8.90%10.51%13.06%Beats 90%72 / 746
Liquidity & Funding
Loans / Deposits84.10%61.31%78.27%90.78%63rd pctl276 / 746
Loans / Assets69.14%53.60%66.97%76.08%55th pctl332 / 746
Brokered Deposits / Depositsn/aNot reported for this institution