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Stephens Security Bank, The

Stephens, AR · Cert 16395

FDIC · 1 branch

Q2 2024

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 2024, the quarter ended June 30, 2024, 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=819 to 825). 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

50

Q2 2024Q2 2024peer median (50)

Asset Quality

68

Q2 2024Q2 2024peer median (50)

Profitability

54

Q2 2024Q2 2024peer median (50)

Liquidity

10

Q2 2024Q2 2024peer median

Efficiency

44

Q2 2024Q2 2024peer 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

Stephens Security Bank, The

Stephens, AR · Cert 16395

FDIC · 1 branch

Q2 2024

$61.8MAssets
$52.6MLoans
$53.0MDeposits
$7.6MEquity
Loan mix
90%RE $46.6M4%C&I $2.0M6%Consumer $3.1MQ2 2023Q2 2024
Deposit mix
92%Interest-bearing $49.0M8%Noninterest $4.0MQ2 2023Q2 2024

NIM

4.91%Q2 ’225.67%Q2 ’236.63%Q2 ’24-9%-3%

Non-interest income vs. expense

2.64%Q2 ’222.71%Q2 ’232.94%Q2 ’24+12%+11%

Executive Summary

  • Earnings: ROA of 0.83%, down 31 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.01% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.49%, up 23 bps from a year ago.
  • Funding: loans stand at 99.22% of deposits as of Q2 2024.

Financial Results

Return on Assets (YTD, annualized)

0.83%-31 bps YoY

Net Interest Margin (YTD, annualized)

3.73%-12 bps YoY

Efficiency Ratio (YTD, annualized)

73.53%+821 bps YoY

Tier 1 Leverage Ratio

12.49%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024YoY ΔTrend
Earnings
Return on Assets1.14%1.06%1.02%0.76%0.83%-31 bps
Return on Equity9.69%9.13%8.75%6.36%6.83%-286 bps
Net Interest Margin3.84%3.83%3.85%3.70%3.73%-12 bps
Efficiency Ratio65.33%66.80%68.11%75.52%73.53%+821 bps
Non-Interest Burden2.40%2.47%2.52%2.74%2.67%+27 bps
Growth
Asset Growth (YoY)4.89%2.66%-1.36%-6.89%-7.29%-1,218 bps
Loan Growth (YoY)2.08%0.46%-1.08%-1.26%-1.03%-311 bps
Deposit Growth (YoY)3.75%2.12%-1.80%-7.62%-7.92%-1,167 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.12%0.14%0.01%0 bps
Net Charge-Offs / Loans-0.02%-0.02%0.07%-0.01%0.00%+2 bps
Allowance / Loans1.62%1.61%1.56%1.58%1.56%-6 bps
Allowance Coverage of NPLs172.4x216.0x13.2x11.6x273.7x+101.3x
Capital
Tier 1 Leverage Ratio12.26%11.85%12.01%12.41%12.49%+23 bps
Total Risk-Based Capital12.26%11.85%12.01%12.41%12.49%+23 bps
Equity / Assets11.94%11.41%11.86%12.19%12.28%+34 bps
Liquidity & Funding
Loans / Deposits92.31%94.15%95.69%96.14%99.22%+691 bps
Liquid Assets / Assets8.83%6.75%5.61%5.83%3.26%-557 bps
CRE / Total Capitaln/an/an/an/an/an/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

Stephens Security Bank, The

Stephens, AR · Cert 16395 · Peer group: banks under $1B in assets operating in a single state (n=819-825)

FDIC · 1 branch

Q2 2024

$61.8MAssets
$52.6MLoans
$53.0MDeposits
$7.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 82% of banks under $1B in assets operating in a single state (rank 152 of 819).
  • Widest gap: total risk-based capital ratio trails 66% of banks under $1B in assets operating in a single state (rank 545 of 825).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.84%

Rank 398 of 825

Net Interest Margin

3.73%

Rank 226 of 823

Efficiency Ratio

73.53%

Rank 463 of 825

Equity / Assets

12.28%

Rank 195 of 825

Non-interest income vs. expense

$0.2M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 44% of banks under $1B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.84%0.44%0.82%1.20%Beats 52%398 / 825
Return on Equity6.83%4.83%8.68%12.76%Beats 37%522 / 823
Net Interest Margin3.73%2.67%3.21%3.78%Beats 73%226 / 823
Efficiency Ratio73.53%60.48%70.66%82.88%Beats 44%463 / 825
Asset Quality
Nonperforming Loans / Loans0.01%0.04%0.33%0.89%Beats 82%152 / 819
Net Charge-Offs / Loans0.01%n/a0.01%0.04%Beats 54%384 / 819
Capital
Tier 1 Capital Ratio12.49%11.27%13.54%17.30%Beats 39%506 / 825
Total Risk-Based Capital Ratio12.49%11.58%14.22%17.83%Beats 34%545 / 825
Equity / Assets12.28%7.81%9.47%12.02%Beats 76%195 / 825
Liquidity & Funding
Loans / Deposits99.22%59.04%76.96%89.87%88th pctl102 / 825
Loans / Assets85.09%51.66%65.27%75.68%95th pctl45 / 819
Brokered Deposits / Depositsn/aNot reported for this institution