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First State Bank of Dequeen

De Queen, AR · Cert 21805 · First State Bancshares Inc.

State charter, Fed member · FED · 7 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

2

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

55

Q2 2024Q2 2026peer median

Efficiency

79

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 State Bank of Dequeen

De Queen, AR · Cert 21805 · First State Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$525.1MAssets
$295.9MLoans
$463.6MDeposits
$34.9MEquity
Loan mix
90%RE $251.7M7%C&I $19.1M3%Consumer $7.4MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $426.7M8%Noninterest $36.9MQ2 2025Q2 2026

NIM

5.44%Q2 ’245.80%Q2 ’255.92%Q2 ’26+0%+8%

Non-interest income vs. expense

2.17%Q2 ’241.88%Q2 ’251.89%Q2 ’26-13%+5%

Executive Summary

  • Earnings: ROA of 1.19%, up 7 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 1.23% of loans (+14 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 8.54%, up 31 bps from a year ago.
  • Funding: loans stand at 63.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.19%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+24 bps YoY

Efficiency Ratio (YTD, annualized)

53.49%-259 bps YoY

Tier 1 Leverage Ratio

8.54%+31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.24%1.11%1.19%1.19%+7 bps
Return on Equity19.43%19.79%16.94%17.10%17.39%-204 bps
Net Interest Margin2.93%2.90%2.94%3.15%3.18%+24 bps
Efficiency Ratio56.08%54.31%56.04%52.53%53.49%-259 bps
Non-Interest Burden1.46%1.40%1.49%1.50%1.53%+7 bps
Growth
Asset Growth (YoY)24.89%19.17%21.82%20.14%12.89%-1,200 bps
Loan Growth (YoY)16.73%15.88%12.98%10.29%8.39%-833 bps
Deposit Growth (YoY)22.47%20.95%24.65%24.81%14.55%-792 bps
Asset Quality
Nonperforming Loans / Loans1.09%1.28%1.18%1.15%1.23%+14 bps
Net Charge-Offs / Loans0.02%0.04%0.22%0.04%0.08%+6 bps
Allowance / Loans1.41%1.38%1.35%1.36%1.36%-5 bps
Allowance Coverage of NPLs1.3x1.1x1.1x1.2x1.1x-0.2x
Capital
Tier 1 Leverage Ratio8.23%9.21%9.24%8.43%8.54%+31 bps
Total Risk-Based Capital8.23%9.21%9.24%8.43%8.54%+31 bps
Equity / Assets5.71%7.50%7.50%6.48%6.65%+94 bps
Liquidity & Funding
Loans / Deposits67.45%65.21%62.87%61.28%63.83%-363 bps
Liquid Assets / Assets2.07%3.38%4.89%5.63%1.79%-28 bps
CRE / Total Capitaln/a117.21%120.25%128.47%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 State Bank of Dequeen

De Queen, AR · Cert 21805 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First State Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$525.1MAssets
$295.9MLoans
$463.6MDeposits
$34.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 93% of banks under $1B in assets operating in a single state (rank 54 of 746).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets operating in a single state (rank 743 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.17%

Rank 312 of 746

Net Interest Margin

3.18%

Rank 558 of 746

Efficiency Ratio

53.49%

Rank 160 of 746

Equity / Assets

6.65%

Rank 712 of 746

Non-interest income vs. expense

$1.8M$9.8MINCOMEEXPENSE
Unfavorable gap of $8.0M · efficiency ratio beats 79% of banks under $1B in assets operating in a single state
Bank 53.49%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.72%1.06%1.45%Beats 58%312 / 746
Return on Equity17.60%6.74%10.51%13.63%Beats 93%54 / 746
Net Interest Margin3.18%3.17%3.68%4.16%Beats 25%558 / 746
Efficiency Ratio53.49%55.74%64.58%75.47%Beats 79%160 / 746
Asset Quality
Nonperforming Loans / Loans1.23%0.09%0.42%1.07%Beats 22%581 / 743
Net Charge-Offs / Loans0.05%0.00%0.01%0.05%Beats 24%567 / 743
Capital
Tier 1 Capital Ratio8.54%11.55%13.75%17.60%Beats 0%743 / 746
Total Risk-Based Capital Ratio8.54%11.71%14.33%18.43%Beats 0%743 / 746
Equity / Assets6.65%8.90%10.51%13.06%Beats 5%712 / 746
Liquidity & Funding
Loans / Deposits63.83%61.31%78.27%90.78%28th pctl540 / 746
Loans / Assets56.36%53.60%66.97%76.08%30th pctl523 / 746
Brokered Deposits / Depositsn/aNot reported for this institution