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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

6.61%Q2 ’246.60%Q2 ’255.94%Q2 ’26+7%-10%

Non-interest income vs. expense

2.72%Q2 ’242.93%Q2 ’252.72%Q2 ’26+9%-6%

Executive Summary

  • Earnings: ROA of 1.73%, down 7 bps year over year; NIM at 4.76%.
  • Asset quality: problem loans at 1.00% of loans (-41 bps YoY), with net charge-offs at 0.35%.
  • 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 (quarter, annualized)

1.73%-7 bps YoY

Net Interest Margin (quarter, annualized)

4.76%-53 bps YoY

Efficiency Ratio (quarter, annualized)

55.52%+207 bps YoY

Tier 1 Leverage Ratio

16.10%-95 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.80%2.19%-0.72%1.40%1.73%-7 bps
Return on Equity11.98%14.08%-4.52%8.79%11.24%-74 bps
Net Interest Margin5.29%5.09%5.13%4.46%4.76%-53 bps
Efficiency Ratio53.45%46.49%91.02%59.82%55.52%+207 bps
Non-Interest Burden2.74%2.28%4.65%2.59%2.58%-16 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-0.11%0.00%0.00%0.00%0.35%+46 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