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Armor Bank

Forrest City, AR · Cert 28812 · Big Creek Bancshares Inc.

State charter, Fed member · FED · 12 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

8

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

66

Q2 2024Q2 2026peer median

Efficiency

34

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

Armor Bank

Forrest City, AR · Cert 28812 · Big Creek Bancshares Inc.

State charter, Fed member · FED · 12 branches

Q2 2026

$516.9MAssets
$395.0MLoans
$460.5MDeposits
$43.7MEquity
Loan mix
89%RE $318.0M10%C&I $35.3M1%Consumer $3.9MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $392.4M15%Noninterest $68.1MQ3 2024Q2 2026

Market Position · Jonesboro, AR · 2026 SOD (annual) · 2.9% share · #14 of 25 inst. · $0.1B of $4.7B

18.3% St. Francis
59.5% Lee
17.7% Poinsett
0.3% Pulaski

Executive Summary

  • Earnings: ROA of 0.88%, up 28 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.41% of loans (+23 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.40%, up 25 bps from a year ago.
  • Funding: loans stand at 85.77% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.88%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+48 bps YoY

Efficiency Ratio (YTD, annualized)

70.71%-717 bps YoY

Tier 1 Leverage Ratio

9.40%+25 bps YoY

NIM

4.94%Q2 ’245.38%Q2 ’255.57%Q2 ’26+20%+15%

Non-interest income vs. expense

2.80%Q2 ’242.82%Q2 ’252.89%Q2 ’26-3%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.22%0.47%0.60%0.71%0.69%0.81%0.88%+28 bps
Return on Equity1.82%2.89%5.97%7.42%8.72%8.42%9.41%10.24%+282 bps
Net Interest Margin2.58%2.71%3.10%3.22%3.34%3.38%3.59%3.70%+48 bps
Efficiency Ratio90.57%86.65%78.09%77.88%76.20%74.58%72.77%70.71%-717 bps
Non-Interest Burden2.32%2.32%2.36%2.44%2.47%2.44%2.52%2.52%+8 bps
Growth
Asset Growth (YoY)12.84%7.72%7.23%4.04%-1.25%3.20%6.57%10.27%+623 bps
Loan Growth (YoY)12.45%15.07%9.83%4.67%2.77%0.22%2.74%8.50%+383 bps
Deposit Growth (YoY)4.59%4.34%6.16%8.65%0.50%5.10%6.05%7.66%-99 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.02%0.02%0.17%0.16%0.16%0.00%0.41%+23 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.06%1.11%1.15%1.17%1.17%1.26%1.27%1.25%+8 bps
Allowance Coverage of NPLsn/a54.0x54.9x6.7x7.4x8.0xn/a3.1x-3.6x
Capital
Tier 1 Leverage Ratio8.33%8.85%9.02%9.15%9.17%9.12%9.32%9.40%+25 bps
Total Risk-Based Capital11.56%11.49%12.78%12.57%12.59%13.40%9.32%9.40%-318 bps
Equity / Assets7.54%7.81%8.08%8.33%8.28%8.68%8.52%8.45%+13 bps
Liquidity & Funding
Loans / Deposits86.74%87.89%84.35%85.11%88.70%83.82%81.72%85.77%+66 bps
Liquid Assets / Assets1.18%0.18%0.49%0.12%0.13%0.13%0.13%0.10%-2 bps
CRE / Total Capitaln/an/an/an/a464%429%422%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

Armor Bank

Forrest City, AR · Cert 28812 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Big Creek Bancshares Inc.

State charter, Fed member · FED · 12 branches

Q2 2026

$516.9MAssets
$395.0MLoans
$460.5MDeposits
$43.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 67% of banks under $1B in assets operating in a single state (rank 251 of 743).
  • Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets operating in a single state (rank 726 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.85%

Rank 489 of 746

Net Interest Margin

3.70%

Rank 362 of 746

Efficiency Ratio

71.37%

Rank 496 of 746

Equity / Assets

8.45%

Rank 605 of 746

Non-interest income vs. expense

$1.8M$14.3MINCOMEEXPENSE
Unfavorable gap of $12.5M · efficiency ratio beats 34% of banks under $1B in assets operating in a single state
Bank 71.37%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.85%0.72%1.06%1.45%Beats 34%489 / 746
Return on Equity10.01%6.74%10.51%13.63%Beats 47%398 / 746
Net Interest Margin3.70%3.17%3.68%4.16%Beats 51%362 / 746
Efficiency Ratio71.37%55.74%64.58%75.47%Beats 34%496 / 746
Asset Quality
Nonperforming Loans / Loans0.41%0.09%0.42%1.07%Beats 52%359 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 67%251 / 743
Capital
Tier 1 Capital Ratio9.40%11.55%13.75%17.60%Beats 3%726 / 746
Total Risk-Based Capital Ratio9.40%11.71%14.33%18.43%Beats 3%726 / 746
Equity / Assets8.45%8.90%10.51%13.06%Beats 19%605 / 746
Liquidity & Funding
Loans / Deposits85.77%61.31%78.27%90.78%66th pctl257 / 746
Loans / Assets76.41%53.60%66.97%76.08%76th pctl181 / 746
Brokered Deposits / Depositsn/aNot reported for this institution