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Bank of Lake Village

Lake Village, AR · Cert 15547 · Southeast Arkansas Bank Corp.

State charter, Fed member · FED · 2 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

86

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

53

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

Bank of Lake Village

Lake Village, AR · Cert 15547 · Southeast Arkansas Bank Corp.

State charter, Fed member · FED · 1 affiliate bank · 2 branches (5 in holding)

Q2 2026

$90.6MAssets
$63.0MLoans
$71.1MDeposits
$13.5MEquity
Loan mix
88%RE $32.5M9%C&I $3.3M3%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $44.7M37%Noninterest $26.4MQ2 2025Q2 2026

NIM

6.45%Q2 ’246.39%Q2 ’255.61%Q2 ’26+3%-11%

Non-interest income vs. expense

2.48%Q2 ’242.77%Q2 ’252.67%Q2 ’26+13%-2%

Executive Summary

  • Earnings: ROA of 1.56%, down 20 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 1.00% of loans (-41 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 16.10%, down 95 bps from a year ago.
  • Funding: loans stand at 88.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.56%-20 bps YoY

Net Interest Margin (YTD, annualized)

4.47%-58 bps YoY

Efficiency Ratio (YTD, annualized)

57.54%+492 bps YoY

Tier 1 Leverage Ratio

16.10%-95 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%1.91%1.26%1.40%1.56%-20 bps
Return on Equity12.20%12.86%8.36%8.79%10.01%-219 bps
Net Interest Margin5.05%4.78%5.12%4.46%4.47%-58 bps
Efficiency Ratio52.62%50.46%60.56%59.82%57.54%+492 bps
Non-Interest Burden2.56%2.32%3.03%2.59%2.51%-5 bps
Growth
Asset Growth (YoY)0.52%-8.53%-2.67%-1.39%7.06%+654 bps
Loan Growth (YoY)2.49%-11.28%2.52%10.13%6.48%+400 bps
Deposit Growth (YoY)-4.47%1.73%-5.71%-2.47%6.39%+1,086 bps
Asset Quality
Nonperforming Loans / Loans1.42%1.05%1.79%1.89%1.00%-41 bps
Net Charge-Offs / Loans-0.05%-0.04%-0.03%0.00%0.17%+23 bps
Allowance / Loans4.33%4.56%6.69%5.98%4.77%+44 bps
Allowance Coverage of NPLs3.1x4.3x3.7x3.2x4.8x+1.7x
Capital
Tier 1 Leverage Ratio17.05%15.93%16.67%16.78%16.10%-95 bps
Total Risk-Based Capital22.88%24.56%27.39%24.16%22.30%-58 bps
Equity / Assets15.15%15.99%16.08%15.88%14.93%-22 bps
Liquidity & Funding
Loans / Deposits88.47%80.07%66.96%73.16%88.55%+8 bps
Liquid Assets / Assets1.79%2.31%13.86%9.49%3.74%+195 bps
CRE / Total Capitaln/a64.36%79.40%97.60%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 Lake Village

Lake Village, AR · Cert 15547 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Southeast Arkansas Bank Corp.

State charter, Fed member · FED · 1 affiliate bank · 2 branches (5 in holding)

Q2 2026

$90.6MAssets
$63.0MLoans
$71.1MDeposits
$13.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 87% of banks under $1B in assets operating in a single state (rank 100 of 746).
  • Widest gap: net charge-offs / loans trails 83% of banks under $1B in assets operating in a single state (rank 616 of 743).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.47%

Rank 178 of 746

Net Interest Margin

4.47%

Rank 100 of 746

Efficiency Ratio

57.54%

Rank 231 of 746

Equity / Assets

14.93%

Rank 102 of 746

Non-interest income vs. expense

$0.1M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.3M · efficiency ratio beats 69% of banks under $1B in assets operating in a single state
Bank 57.54%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.47%0.72%1.06%1.45%Beats 76%178 / 746
Return on Equity9.85%6.74%10.51%13.63%Beats 46%406 / 746
Net Interest Margin4.47%3.17%3.68%4.16%Beats 87%100 / 746
Efficiency Ratio57.54%55.74%64.58%75.47%Beats 69%231 / 746
Asset Quality
Nonperforming Loans / Loans1.00%0.09%0.42%1.07%Beats 27%544 / 743
Net Charge-Offs / Loans0.09%0.00%0.01%0.05%Beats 17%616 / 743
Capital
Tier 1 Capital Ratio21.01%11.55%13.75%17.60%Beats 85%110 / 746
Total Risk-Based Capital Ratio22.30%11.71%14.33%18.43%Beats 86%105 / 746
Equity / Assets14.93%8.90%10.51%13.06%Beats 86%102 / 746
Liquidity & Funding
Loans / Deposits88.55%61.31%78.27%90.78%71st pctl219 / 746
Loans / Assets69.50%53.60%66.97%76.08%56th pctl325 / 746
Brokered Deposits / Depositsn/aNot reported for this institution