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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