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Central Bank

Little Rock, AR · Cert 1756 · Cross County Bancshares Inc.

State charter, non-member · FDIC · 3 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

21

Q2 2024Q2 2026peer median (50)

Asset Quality

4

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

99

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

Central Bank

Little Rock, AR · Cert 1756 · Cross County Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (13 in holding)

Q2 2026

$954.6MAssets
$820.9MLoans
$743.4MDeposits
$87.7MEquity
Loan mix
71%RE $578.3M28%C&I $229.5M0%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $667.1M10%Noninterest $76.3MQ2 2025Q2 2026

NIM

6.72%Q2 ’246.80%Q2 ’256.34%Q2 ’26+0%-14%

Non-interest income vs. expense

1.29%Q2 ’241.07%Q2 ’251.14%Q2 ’26-21%+28%

Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 1.8% share · #11 of 42 inst. · $0.7B of $36.9B

2.3% Pulaski
0.8% Benton

Executive Summary

  • Earnings: ROA of 1.09%, down 70 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 4.76% of loans (+368 bps YoY), with net charge-offs at 0.66%.
  • Capital: tier 1 leverage ratio of 9.37%, down 91 bps from a year ago.
  • Funding: loans stand at 110.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%-70 bps YoY

Net Interest Margin (YTD, annualized)

3.05%-48 bps YoY

Efficiency Ratio (YTD, annualized)

34.55%+723 bps YoY

Tier 1 Leverage Ratio

9.37%-91 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.80%1.72%1.40%1.18%1.09%-70 bps
Return on Equity18.22%17.54%14.42%12.79%11.84%-638 bps
Net Interest Margin3.52%3.42%3.12%3.18%3.05%-48 bps
Efficiency Ratio27.32%27.89%30.57%33.66%34.55%+723 bps
Non-Interest Burden0.69%0.71%0.74%0.89%0.88%+19 bps
Growth
Asset Growth (YoY)25.35%26.07%20.74%24.90%20.92%-443 bps
Loan Growth (YoY)28.66%25.49%28.10%27.02%19.18%-948 bps
Deposit Growth (YoY)19.34%21.94%16.73%19.64%17.18%-216 bps
Asset Quality
Nonperforming Loans / Loans1.08%1.69%1.70%4.83%4.76%+368 bps
Net Charge-Offs / Loans0.02%0.12%0.11%0.37%0.66%+64 bps
Allowance / Loans1.42%1.44%1.45%1.41%1.42%0 bps
Allowance Coverage of NPLs1.3x0.9x0.9x0.3x0.3x-1.0x
Capital
Tier 1 Leverage Ratio10.28%10.07%9.75%9.44%9.37%-91 bps
Total Risk-Based Capital12.16%12.21%11.53%11.49%11.57%-59 bps
Equity / Assets9.87%9.58%9.44%9.07%9.18%-69 bps
Liquidity & Funding
Loans / Deposits108.57%104.13%109.47%110.51%110.42%+185 bps
Liquid Assets / Assets0.89%1.31%2.62%1.50%2.42%+153 bps
CRE / Total Capitaln/a471%481%476%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

Central Bank

Little Rock, AR · Cert 1756 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Cross County Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (13 in holding)

Q2 2026

$954.6MAssets
$820.9MLoans
$743.4MDeposits
$87.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 99% of banks under $1B in assets operating in a single state (rank 9 of 746).
  • Widest gap: nonperforming loans / loans trails 98% of banks under $1B in assets operating in a single state (rank 729 of 743).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.06%

Rank 379 of 746

Net Interest Margin

3.05%

Rank 601 of 746

Efficiency Ratio

34.55%

Rank 9 of 746

Equity / Assets

9.18%

Rank 534 of 746

Non-interest income vs. expense

$2.5M$10.8MINCOMEEXPENSE
Unfavorable gap of $8.3M · efficiency ratio beats 99% of banks under $1B in assets operating in a single state
Bank 34.55%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.06%0.72%1.06%1.45%Beats 49%379 / 746
Return on Equity11.51%6.74%10.51%13.63%Beats 60%302 / 746
Net Interest Margin3.05%3.17%3.68%4.16%Beats 19%601 / 746
Efficiency Ratio34.55%55.74%64.58%75.47%Beats 99%9 / 746
Asset Quality
Nonperforming Loans / Loans4.76%0.09%0.42%1.07%Beats 2%729 / 743
Net Charge-Offs / Loans0.33%0.00%0.01%0.05%Beats 5%708 / 743
Capital
Tier 1 Capital Ratio10.32%11.55%13.75%17.60%Beats 12%658 / 746
Total Risk-Based Capital Ratio11.57%11.71%14.33%18.43%Beats 23%572 / 746
Equity / Assets9.18%8.90%10.51%13.06%Beats 28%534 / 746
Liquidity & Funding
Loans / Deposits110.42%61.31%78.27%90.78%97th pctl23 / 746
Loans / Assets85.99%53.60%66.97%76.08%97th pctl25 / 746
Brokered Deposits / Depositsn/aNot reported for this institution