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Stone Bank

Mountain View, AR · Cert 17431 · MO Ark Bancshares Inc.

State charter, Fed member · FED · 6 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

16

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

8

Q2 2024Q2 2026peer median

Efficiency

80

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

Stone Bank

Mountain View, AR · Cert 17431 · MO Ark Bancshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$950.7MAssets
$746.3MLoans
$757.7MDeposits
$74.9MEquity
Loan mix
87%RE $557.4M12%C&I $78.8M1%Consumer $4.7MQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $725.9M4%Noninterest $31.8MQ2 2025Q2 2026

NIM

5.66%Q2 ’245.46%Q2 ’255.54%Q2 ’26-6%+14%

Non-interest income vs. expense

2.42%Q2 ’242.32%Q2 ’252.68%Q2 ’26-25%-67%

Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.5% share · #25 of 42 inst. · $0.2B of $36.9B

0.7% Pulaski
31.2% Stone
6.2% Jefferson
17.4% Arkansas

Executive Summary

  • Earnings: ROA of 1.68%, up 64 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 1.04% of loans (-46 bps YoY), with net charge-offs at 0.25%.
  • Capital: tier 1 leverage ratio of 8.37%, up 2 bps from a year ago.
  • Funding: loans stand at 98.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.68%+64 bps YoY

Net Interest Margin (YTD, annualized)

2.66%+33 bps YoY

Efficiency Ratio (YTD, annualized)

52.72%-828 bps YoY

Tier 1 Leverage Ratio

8.37%+2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.30%1.22%1.86%1.68%+64 bps
Return on Equity13.63%16.99%15.84%23.09%20.97%+734 bps
Net Interest Margin2.33%2.47%2.50%2.73%2.66%+33 bps
Efficiency Ratio61.00%57.45%59.76%50.55%52.72%-828 bps
Non-Interest Burden0.88%0.63%0.84%0.02%0.29%-59 bps
Growth
Asset Growth (YoY)7.29%11.33%5.12%5.04%8.80%+150 bps
Loan Growth (YoY)5.40%11.33%6.95%4.60%9.16%+376 bps
Deposit Growth (YoY)8.75%7.51%6.75%8.92%9.72%+97 bps
Asset Quality
Nonperforming Loans / Loans1.49%0.81%1.36%1.45%1.04%-46 bps
Net Charge-Offs / Loans0.06%0.11%0.11%0.27%0.25%+20 bps
Allowance / Loans1.43%1.38%1.50%1.51%1.41%-2 bps
Allowance Coverage of NPLs1.0x1.7x1.1x1.0x1.4x+0.4x
Capital
Tier 1 Leverage Ratio8.35%8.38%8.25%8.66%8.37%+2 bps
Total Risk-Based Capital11.61%11.43%11.86%11.87%11.65%+5 bps
Equity / Assets7.58%7.64%8.03%8.11%7.88%+30 bps
Liquidity & Funding
Loans / Deposits98.99%104.36%98.11%97.55%98.49%-50 bps
Liquid Assets / Assets1.84%0.92%1.25%1.19%1.16%-68 bps
CRE / Total Capitaln/a467%445%424%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

Stone Bank

Mountain View, AR · Cert 17431 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · MO Ark Bancshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$950.7MAssets
$746.3MLoans
$757.7MDeposits
$74.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 97% of banks under $1B in assets operating in a single state (rank 26 of 746).
  • Widest gap: net interest margin trails 92% of banks under $1B in assets operating in a single state (rank 685 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.61%

Rank 135 of 746

Net Interest Margin

2.66%

Rank 685 of 746

Efficiency Ratio

53.13%

Rank 152 of 746

Equity / Assets

7.88%

Rank 653 of 746

Non-interest income vs. expense

$22.8M$25.5MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 80% of banks under $1B in assets operating in a single state
Bank 53.13%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.61%0.72%1.06%1.45%Beats 82%135 / 746
Return on Equity20.38%6.74%10.51%13.63%Beats 97%26 / 746
Net Interest Margin2.66%3.17%3.68%4.16%Beats 8%685 / 746
Efficiency Ratio53.13%55.74%64.58%75.47%Beats 80%152 / 746
Asset Quality
Nonperforming Loans / Loans1.04%0.09%0.42%1.07%Beats 26%554 / 743
Net Charge-Offs / Loans0.17%0.00%0.01%0.05%Beats 9%674 / 743
Capital
Tier 1 Capital Ratio10.40%11.55%13.75%17.60%Beats 13%651 / 746
Total Risk-Based Capital Ratio11.65%11.71%14.33%18.43%Beats 24%567 / 746
Equity / Assets7.88%8.90%10.51%13.06%Beats 12%653 / 746
Liquidity & Funding
Loans / Deposits98.49%61.31%78.27%90.78%89th pctl85 / 746
Loans / Assets78.50%53.60%66.97%76.08%81st pctl144 / 746
Brokered Deposits / Depositsn/aNot reported for this institution