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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

6.99%Q2 ’247.08%Q2 ’256.37%Q2 ’26-2%-16%

Non-interest income vs. expense

1.28%Q2 ’241.18%Q2 ’251.17%Q2 ’26-13%+13%

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 1.00%, down 73 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 4.76% of loans (+368 bps YoY), with net charge-offs at 0.95%.
  • 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 (quarter, annualized)

1.00%-73 bps YoY

Net Interest Margin (quarter, annualized)

3.03%-60 bps YoY

Efficiency Ratio (quarter, annualized)

35.45%+595 bps YoY

Tier 1 Leverage Ratio

9.37%-91 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.73%1.58%0.53%1.18%1.00%-73 bps
Return on Equity17.49%16.28%5.62%12.79%10.93%-655 bps
Net Interest Margin3.62%3.63%2.67%3.18%3.03%-60 bps
Efficiency Ratio29.49%28.96%40.35%33.66%35.45%+595 bps
Non-Interest Burden0.79%0.85%0.91%0.89%0.89%+10 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 / Loans0.01%0.32%0.11%0.37%0.95%+94 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