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First Naturalstate Bank

McGehee, AR · Cert 21379 · First National Financial Corp.

State charter, Fed member · FED · 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

88

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

13

Q2 2024Q2 2026peer median

Efficiency

44

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 Naturalstate Bank

McGehee, AR · Cert 21379 · First National Financial Corp.

State charter, Fed member · FED · 3 branches

Q2 2026

$108.8MAssets
$88.8MLoans
$91.3MDeposits
$15.6MEquity
Loan mix
80%RE $62.1M14%C&I $10.8M7%Consumer $5.2MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $63.2M31%Noninterest $28.0MQ2 2025Q2 2026

NIM

5.90%Q2 ’246.42%Q2 ’255.72%Q2 ’26+7%-7%

Non-interest income vs. expense

2.84%Q2 ’243.03%Q2 ’252.70%Q2 ’26+7%-9%

Executive Summary

  • Earnings: ROA of 1.03%, up 11 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 0.50% of loans (-37 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 15.55%, down 234 bps from a year ago.
  • Funding: loans stand at 97.26% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.03%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.92%-28 bps YoY

Efficiency Ratio (YTD, annualized)

67.04%-228 bps YoY

Tier 1 Leverage Ratio

15.55%-234 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.99%0.90%0.92%1.03%+11 bps
Return on Equity6.46%6.94%6.26%6.25%7.05%+58 bps
Net Interest Margin4.20%3.70%3.79%3.94%3.92%-28 bps
Efficiency Ratio69.33%66.71%68.24%70.50%67.04%-228 bps
Non-Interest Burden2.86%2.42%2.54%2.75%2.59%-27 bps
Growth
Asset Growth (YoY)6.03%9.00%7.36%1.14%7.80%+176 bps
Loan Growth (YoY)8.30%4.77%14.10%15.11%15.52%+721 bps
Deposit Growth (YoY)5.35%8.58%2.47%0.42%5.99%+64 bps
Asset Quality
Nonperforming Loans / Loans0.86%0.85%0.54%0.59%0.50%-37 bps
Net Charge-Offs / Loans0.19%0.12%0.07%0.00%0.02%-17 bps
Allowance / Loans1.71%1.70%1.69%1.67%1.55%-16 bps
Allowance Coverage of NPLs2.0x2.0x3.1x2.8x3.1x+1.1x
Capital
Tier 1 Leverage Ratio17.89%15.71%15.45%15.44%15.55%-234 bps
Total Risk-Based Capital26.89%24.42%27.80%25.65%25.62%-127 bps
Equity / Assets14.43%14.34%14.76%14.74%14.36%-7 bps
Liquidity & Funding
Loans / Deposits89.24%86.40%97.77%94.54%97.26%+802 bps
Liquid Assets / Assets1.93%1.85%1.66%1.64%1.56%-37 bps
CRE / Total Capitaln/a69.28%78.18%84.52%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 Naturalstate Bank

McGehee, AR · Cert 21379 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First National Financial Corp.

State charter, Fed member · FED · 3 branches

Q2 2026

$108.8MAssets
$88.8MLoans
$91.3MDeposits
$15.6MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 91% of banks under $1B in assets operating in a single state (rank 70 of 746).
  • Widest gap: return on equity trails 73% of banks under $1B in assets operating in a single state (rank 546 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.99%

Rank 410 of 746

Net Interest Margin

3.92%

Rank 282 of 746

Efficiency Ratio

67.04%

Rank 421 of 746

Equity / Assets

14.36%

Rank 120 of 746

Non-interest income vs. expense

$0.1M$2.8MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 44% of banks under $1B in assets operating in a single state
Bank 67.04%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.99%0.72%1.06%1.45%Beats 45%410 / 746
Return on Equity6.91%6.74%10.51%13.63%Beats 27%546 / 746
Net Interest Margin3.92%3.17%3.68%4.16%Beats 62%282 / 746
Efficiency Ratio67.04%55.74%64.58%75.47%Beats 44%421 / 746
Asset Quality
Nonperforming Loans / Loans0.50%0.09%0.42%1.07%Beats 46%405 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 52%360 / 743
Capital
Tier 1 Capital Ratio24.36%11.55%13.75%17.60%Beats 90%72 / 746
Total Risk-Based Capital Ratio25.62%11.71%14.33%18.43%Beats 91%70 / 746
Equity / Assets14.36%8.90%10.51%13.06%Beats 84%120 / 746
Liquidity & Funding
Loans / Deposits97.26%61.31%78.27%90.78%87th pctl95 / 746
Loans / Assets81.58%53.60%66.97%76.08%89th pctl84 / 746
Brokered Deposits / Depositsn/aNot reported for this institution