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First Arkansas Bank and Trust

Jacksonville, AR · Cert 16849 · First Arkansas Bancshares Inc.

State charter, non-member · FDIC · 20 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

22

Q2 2024Q2 2026peer median (50)

Asset Quality

9

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

23

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

First Arkansas Bank and Trust

Jacksonville, AR · Cert 16849 · First Arkansas Bancshares Inc.

State charter, non-member · FDIC · 20 branches

Q2 2026

$1.1BAssets
$796.9MLoans
$985.8MDeposits
$109.2MEquity
Loan mix
61%RE $488.1M29%C&I $234.3M10%Consumer $82.4MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $849.2M14%Noninterest $136.6MQ2 2025Q2 2026

NIM

4.95%Q2 ’245.09%Q2 ’255.17%Q2 ’26+19%+16%

Non-interest income vs. expense

5.05%Q2 ’244.86%Q2 ’254.65%Q2 ’26-11%-10%

Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 2.1% share · #9 of 42 inst. · $0.8B of $36.9B

1.7% Pulaski
12.2% Lonoke
24.8% Cleburne
1.9% Faulkner

Executive Summary

  • Earnings: ROA of 1.27%, up 45 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 1.63% of loans (-5 bps YoY), with net charge-offs at 0.63%.
  • Capital: tier 1 leverage ratio of 10.74%, up 39 bps from a year ago.
  • Funding: loans stand at 80.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.27%+45 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+49 bps YoY

Efficiency Ratio (YTD, annualized)

70.51%-853 bps YoY

Tier 1 Leverage Ratio

10.74%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.75%0.74%1.45%1.27%+45 bps
Return on Equity10.45%9.22%8.97%16.33%13.91%+347 bps
Net Interest Margin3.07%3.15%3.07%3.58%3.56%+49 bps
Efficiency Ratio79.04%79.26%79.75%68.10%70.51%-853 bps
Non-Interest Burden1.71%1.80%1.81%1.29%1.53%-18 bps
Growth
Asset Growth (YoY)-4.68%-4.62%4.75%4.53%4.98%+966 bps
Loan Growth (YoY)-6.47%-6.68%-0.52%4.86%6.04%+1,252 bps
Deposit Growth (YoY)3.52%1.78%5.07%5.47%1.88%-163 bps
Asset Quality
Nonperforming Loans / Loans1.68%1.65%2.01%1.72%1.63%-5 bps
Net Charge-Offs / Loans0.52%0.55%0.49%0.70%0.63%+10 bps
Allowance / Loans1.21%1.21%1.18%1.10%1.12%-9 bps
Allowance Coverage of NPLs0.7x0.7x0.6x0.6x0.7x0.0x
Capital
Tier 1 Leverage Ratio10.34%10.61%10.35%10.49%10.74%+39 bps
Total Risk-Based Capital10.34%10.61%10.35%10.49%10.74%+39 bps
Equity / Assets8.15%8.93%8.83%8.89%9.57%+143 bps
Liquidity & Funding
Loans / Deposits77.66%77.61%74.89%81.00%80.83%+317 bps
Liquid Assets / Assets0.85%0.97%3.48%0.02%0.04%-82 bps
CRE / Total Capitaln/a267%265%273%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

First Arkansas Bank and Trust

Jacksonville, AR · Cert 16849 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First Arkansas Bancshares Inc.

State charter, non-member · FDIC · 20 branches

Q2 2026

$1.1BAssets
$796.9MLoans
$985.8MDeposits
$109.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 64% of banks $1B-$10B in assets operating in a single state (rank 94 of 258).
  • Widest gap: net charge-offs / loans trails 94% of banks $1B-$10B in assets operating in a single state (rank 243 of 258).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.28%

Rank 117 of 258

Net Interest Margin

3.56%

Rank 113 of 258

Efficiency Ratio

70.51%

Rank 198 of 257

Equity / Assets

9.57%

Rank 166 of 258

Non-interest income vs. expense

$37.2M$55.5MINCOMEEXPENSE
Unfavorable gap of $18.3M · efficiency ratio beats 23% of banks $1B-$10B in assets operating in a single state
Bank 70.51%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.28%0.93%1.23%1.54%Beats 55%117 / 258
Return on Equity13.35%9.26%11.84%14.74%Beats 64%94 / 258
Net Interest Margin3.56%3.16%3.49%3.88%Beats 56%113 / 258
Efficiency Ratio70.51%51.71%60.30%69.65%Beats 23%198 / 257
Asset Quality
Nonperforming Loans / Loans1.63%0.19%0.46%0.90%Beats 11%230 / 258
Net Charge-Offs / Loans0.34%0.01%0.02%0.07%Beats 6%243 / 258
Capital
Tier 1 Capital Ratio10.74%11.41%12.98%15.12%Beats 16%217 / 258
Total Risk-Based Capital Ratio10.74%12.10%13.91%16.08%Beats 14%223 / 258
Equity / Assets9.57%9.09%10.24%11.72%Beats 36%166 / 258
Liquidity & Funding
Loans / Deposits80.83%73.24%86.34%95.95%38th pctl159 / 258
Loans / Assets69.86%63.01%72.27%78.40%42nd pctl150 / 258
Brokered Deposits / Depositsn/aNot reported for this institution