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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