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Partners Bank

Helena, AR · Cert 15729 · Helena Bancshares Inc.

State charter, non-member · FDIC · 9 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

71

Q2 2024Q2 2026peer median (50)

Asset Quality

19

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

48

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

Partners Bank

Helena, AR · Cert 15729 · Helena Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$417.1MAssets
$369.2MLoans
$354.0MDeposits
$55.3MEquity
Loan mix
89%RE $284.4M10%C&I $32.0M0%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $272.7M23%Noninterest $81.4MQ2 2025Q2 2026

NIM

5.86%Q2 ’246.02%Q2 ’256.02%Q2 ’26+9%+6%

Non-interest income vs. expense

2.66%Q2 ’242.68%Q2 ’252.98%Q2 ’26+1%+15%

Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.1% share · #42 of 48 inst. · $0.0B of $46.3B

54.9% Phillips
2.3% Crittenden
0.1% Pulaski
2.4% Cross

Executive Summary

  • Earnings: ROA of 1.04%, down 9 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 0.93% of loans (+67 bps YoY), with net charge-offs at 0.38%.
  • Capital: tier 1 leverage ratio of 13.73%, up 150 bps from a year ago.
  • Funding: loans stand at 104.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.04%-9 bps YoY

Net Interest Margin (YTD, annualized)

4.27%+24 bps YoY

Efficiency Ratio (YTD, annualized)

65.43%+412 bps YoY

Tier 1 Leverage Ratio

13.73%+150 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.12%1.17%1.04%1.04%-9 bps
Return on Equity9.72%9.52%9.83%7.85%7.83%-190 bps
Net Interest Margin4.03%3.94%4.16%4.26%4.27%+24 bps
Efficiency Ratio61.31%61.54%60.91%65.62%65.43%+412 bps
Non-Interest Burden2.34%2.30%2.39%2.70%2.69%+35 bps
Growth
Asset Growth (YoY)0.35%-0.17%-6.16%-5.88%-4.46%-480 bps
Loan Growth (YoY)0.64%-0.29%-6.13%-8.11%-3.68%-433 bps
Deposit Growth (YoY)-7.98%-4.03%-4.90%0.97%7.43%+1,541 bps
Asset Quality
Nonperforming Loans / Loans0.26%0.40%1.37%0.57%0.93%+67 bps
Net Charge-Offs / Loans0.00%0.01%0.08%0.80%0.38%+37 bps
Allowance / Loans1.78%1.82%1.98%1.91%1.82%+4 bps
Allowance Coverage of NPLs6.8x4.5x1.4x3.3x2.0x-4.9x
Capital
Tier 1 Leverage Ratio12.23%12.15%12.97%13.68%13.73%+150 bps
Total Risk-Based Capital15.48%12.15%12.97%13.68%16.96%+148 bps
Equity / Assets11.86%11.97%12.97%13.48%13.25%+139 bps
Liquidity & Funding
Loans / Deposits116.33%113.88%101.80%98.81%104.29%-1,204 bps
Liquid Assets / Assets1.45%2.35%4.26%4.79%1.63%+18 bps
CRE / Total Capitaln/a424%395%368%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

Partners Bank

Helena, AR · Cert 15729 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Helena Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$417.1MAssets
$369.2MLoans
$354.0MDeposits
$55.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 79% of banks under $1B in assets operating in a single state (rank 157 of 746).
  • Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets operating in a single state (rank 680 of 743).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.02%

Rank 396 of 746

Net Interest Margin

4.26%

Rank 157 of 746

Efficiency Ratio

65.43%

Rank 388 of 746

Equity / Assets

13.25%

Rank 175 of 746

Non-interest income vs. expense

$1.2M$12.2MINCOMEEXPENSE
Unfavorable gap of $11.0M · efficiency ratio beats 48% of banks under $1B in assets operating in a single state
Bank 65.43%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.02%0.72%1.06%1.45%Beats 47%396 / 746
Return on Equity7.72%6.74%10.51%13.63%Beats 32%510 / 746
Net Interest Margin4.26%3.17%3.68%4.16%Beats 79%157 / 746
Efficiency Ratio65.43%55.74%64.58%75.47%Beats 48%388 / 746
Asset Quality
Nonperforming Loans / Loans0.93%0.09%0.42%1.07%Beats 29%527 / 743
Net Charge-Offs / Loans0.19%0.00%0.01%0.05%Beats 9%680 / 743
Capital
Tier 1 Capital Ratio15.70%11.55%13.75%17.60%Beats 67%248 / 746
Total Risk-Based Capital Ratio16.96%11.71%14.33%18.43%Beats 69%230 / 746
Equity / Assets13.25%8.90%10.51%13.06%Beats 77%175 / 746
Liquidity & Funding
Loans / Deposits104.29%61.31%78.27%90.78%94th pctl47 / 746
Loans / Assets88.53%53.60%66.97%76.08%98th pctl12 / 746
Brokered Deposits / Depositsn/aNot reported for this institution