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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

$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