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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 $1.4MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $272.7M23%Noninterest $81.4MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.92%0.98%1.13%1.12%1.17%1.04%1.04%-9 bps
Return on Equity8.32%8.40%8.51%9.72%9.52%9.83%7.85%7.83%-190 bps
Net Interest Margin3.62%3.69%3.94%4.03%3.94%4.16%4.26%4.27%+24 bps
Efficiency Ratio64.74%63.85%64.50%61.31%61.54%60.91%65.62%65.43%+412 bps
Non-Interest Burden2.23%2.23%2.44%2.34%2.30%2.39%2.70%2.69%+35 bps
Growth
Asset Growth (YoY)0.43%0.73%4.20%0.35%-0.17%-6.16%-5.88%-4.46%-480 bps
Loan Growth (YoY)0.25%1.89%4.02%0.64%-0.29%-6.13%-8.11%-3.68%-433 bps
Deposit Growth (YoY)4.96%4.95%-3.95%-7.98%-4.03%-4.90%0.97%7.43%+1,541 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.48%0.27%0.26%0.40%1.37%0.57%0.93%+67 bps
Net Charge-Offs / Loans0.06%0.05%0.01%0.00%0.01%0.08%0.80%0.38%+37 bps
Allowance / Loans1.55%1.69%1.78%1.78%1.82%1.98%1.91%1.82%+4 bps
Allowance Coverage of NPLs15.0x3.6x6.5x6.8x4.5x1.4x3.3x2.0x-4.9x
Capital
Tier 1 Leverage Ratio11.51%11.83%12.24%12.23%12.15%12.97%13.68%13.73%+150 bps
Total Risk-Based Capital14.58%15.33%15.76%15.48%12.15%12.97%13.68%16.96%+148 bps
Equity / Assets11.16%11.21%11.82%11.86%11.97%12.97%13.48%13.25%+139 bps
Liquidity & Funding
Loans / Deposits109.60%103.13%108.58%116.33%113.88%101.80%98.81%104.29%-1,204 bps
Liquid Assets / Assets2.12%4.88%3.82%1.45%2.35%4.26%4.79%1.63%+18 bps
CRE / Total Capitaln/an/an/an/a424%395%368%n/an/a