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Today's Bank

Huntsville, AR · Cert 33470 · Mathias Bancshares Inc.

State charter, non-member · FDIC · 11 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

39

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

20

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

Today's Bank

Huntsville, AR · Cert 33470 · Mathias Bancshares Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$351.0MAssets
$246.9MLoans
$294.6MDeposits
$27.4MEquity
Loan mix
93%RE $226.6M5%C&I $11.7M2%Consumer $4.3MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $274.2M7%Noninterest $20.4MQ2 2025Q2 2026

NIM

5.92%Q2 ’245.79%Q2 ’255.87%Q2 ’26+1%+10%

Non-interest income vs. expense

2.98%Q2 ’242.82%Q2 ’252.92%Q2 ’26-7%+7%

Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 0.8% share · #17 of 42 inst. · $0.2B of $20.2B

25.4% Madison
7.7% Crawford
0.5% Washington
0.9% Sebastian

Executive Summary

  • Earnings: ROA of 0.59%, up 7 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.74% of loans (+70 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.54%, up 61 bps from a year ago.
  • Funding: loans stand at 83.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.59%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+33 bps YoY

Efficiency Ratio (YTD, annualized)

78.62%-281 bps YoY

Tier 1 Leverage Ratio

9.54%+61 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.51%0.54%0.56%0.59%+7 bps
Return on Equity7.68%7.26%7.59%7.37%7.66%-2 bps
Net Interest Margin3.20%3.29%3.33%3.56%3.53%+33 bps
Efficiency Ratio81.43%82.08%80.94%77.58%78.62%-281 bps
Non-Interest Burden2.56%2.66%2.66%2.72%2.74%+18 bps
Growth
Asset Growth (YoY)1.05%-2.50%4.38%0.69%1.40%+36 bps
Loan Growth (YoY)-7.62%-8.83%-2.19%1.91%7.70%+1,532 bps
Deposit Growth (YoY)3.27%-0.85%4.52%-0.52%-1.94%-521 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.26%0.23%0.58%0.74%+70 bps
Net Charge-Offs / Loans0.00%0.02%0.09%0.00%0.01%0 bps
Allowance / Loans1.27%1.30%1.24%1.25%1.22%-5 bps
Allowance Coverage of NPLs33.6x5.0x5.3x2.2x1.7x-31.9x
Capital
Tier 1 Leverage Ratio8.93%9.17%9.21%9.33%9.54%+61 bps
Total Risk-Based Capital14.62%15.26%14.63%14.86%15.06%+44 bps
Equity / Assets6.83%7.62%7.51%7.71%7.80%+97 bps
Liquidity & Funding
Loans / Deposits76.31%77.17%78.12%82.55%83.81%+750 bps
Liquid Assets / Assets9.74%7.36%6.31%4.12%4.60%-514 bps
CRE / Total Capitaln/a374%378%389%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

Today's Bank

Huntsville, AR · Cert 33470 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Mathias Bancshares Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$351.0MAssets
$246.9MLoans
$294.6MDeposits
$27.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 56% of banks under $1B in assets operating in a single state (rank 331 of 743).
  • Widest gap: equity / assets trails 88% of banks under $1B in assets operating in a single state (rank 658 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.59%

Rank 614 of 746

Net Interest Margin

3.53%

Rank 433 of 746

Efficiency Ratio

78.62%

Rank 599 of 746

Equity / Assets

7.80%

Rank 658 of 746

Non-interest income vs. expense

$0.7M$10.5MINCOMEEXPENSE
Unfavorable gap of $9.8M · efficiency ratio beats 20% of banks under $1B in assets operating in a single state
Bank 78.62%Peer median 64.6%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.59%0.72%1.06%1.45%Beats 18%614 / 746
Return on Equity7.50%6.74%10.51%13.63%Beats 30%521 / 746
Net Interest Margin3.53%3.17%3.68%4.16%Beats 42%433 / 746
Efficiency Ratio78.62%55.74%64.58%75.47%Beats 20%599 / 746
Asset Quality
Nonperforming Loans / Loans0.74%0.09%0.42%1.07%Beats 35%482 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 56%331 / 743
Capital
Tier 1 Capital Ratio13.81%11.55%13.75%17.60%Beats 50%372 / 746
Total Risk-Based Capital Ratio15.06%11.71%14.33%18.43%Beats 56%329 / 746
Equity / Assets7.80%8.90%10.51%13.06%Beats 12%658 / 746
Liquidity & Funding
Loans / Deposits83.81%61.31%78.27%90.78%62nd pctl283 / 746
Loans / Assets70.34%53.60%66.97%76.08%58th pctl314 / 746
Brokered Deposits / Depositsn/aNot reported for this institution