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Priority Bank

Fayetteville, AR · Cert 33818 · Priority One Holding Co.

State savings bank · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

26

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

45

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

Priority Bank

Fayetteville, AR · Cert 33818 · Priority One Holding Co.

State savings bank · OCC · 3 branches

Q2 2026

$153.4MAssets
$116.7MLoans
$129.4MDeposits
$16.2MEquity
Loan mix
94%RE $106.3M4%C&I $5.0M1%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $111.1M14%Noninterest $18.3MQ2 2025Q2 2026

NIM

7.20%Q2 ’247.38%Q2 ’256.91%Q2 ’26+1%-3%

Non-interest income vs. expense

4.79%Q2 ’244.29%Q2 ’253.81%Q2 ’26-6%+27%

Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 0.5% share · #25 of 42 inst. · $0.1B of $20.2B

1.1% Washington
7.8% Franklin

Executive Summary

  • Earnings: ROA of 1.31%, down 49 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 3.37% of loans (+110 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.52%, down 111 bps from a year ago.
  • Funding: loans stand at 90.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.31%-49 bps YoY

Net Interest Margin (YTD, annualized)

4.33%-13 bps YoY

Efficiency Ratio (YTD, annualized)

69.74%+515 bps YoY

Tier 1 Leverage Ratio

10.52%-111 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.81%1.82%1.75%1.47%1.31%-49 bps
Return on Equity16.56%17.06%16.43%13.92%12.44%-411 bps
Net Interest Margin4.46%4.42%4.26%4.48%4.33%-13 bps
Efficiency Ratio64.59%61.88%61.31%66.68%69.74%+515 bps
Non-Interest Burden2.10%1.97%1.96%2.59%2.67%+58 bps
Growth
Asset Growth (YoY)23.92%27.30%14.99%13.72%9.64%-1,428 bps
Loan Growth (YoY)27.92%21.98%12.08%12.75%10.12%-1,780 bps
Deposit Growth (YoY)25.16%36.98%18.40%17.50%19.70%-545 bps
Asset Quality
Nonperforming Loans / Loans2.26%2.43%2.66%2.67%3.37%+110 bps
Net Charge-Offs / Loans-0.02%0.00%0.04%-0.02%-0.01%+1 bps
Allowance / Loans1.16%1.20%1.32%1.28%1.24%+8 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.5x0.4x-0.1x
Capital
Tier 1 Leverage Ratio11.63%10.93%10.04%10.81%10.52%-111 bps
Total Risk-Based Capital11.63%10.93%10.04%10.81%10.52%-111 bps
Equity / Assets11.02%10.09%10.46%10.64%10.54%-48 bps
Liquidity & Funding
Loans / Deposits98.00%85.34%87.93%89.73%90.15%-785 bps
Liquid Assets / Assets4.44%10.42%7.58%5.39%4.28%-16 bps
CRE / Total Capitaln/a211%198.96%196.05%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

Priority Bank

Fayetteville, AR · Cert 33818 · Peer group: banks under $1B in assets (n=581-629) · Priority One Holding Co.

State savings bank · OCC · 3 branches

Q2 2026

$153.4MAssets
$116.7MLoans
$129.4MDeposits
$16.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 85% of banks under $1B in assets (rank 94 of 629).
  • Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets (rank 549 of 581).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.29%

Rank 207 of 629

Net Interest Margin

4.33%

Rank 94 of 629

Efficiency Ratio

69.74%

Rank 348 of 629

Equity / Assets

10.54%

Rank 328 of 629

Non-interest income vs. expense

$1.7M$5.8MINCOMEEXPENSE
Unfavorable gap of $4.1M · efficiency ratio beats 45% of banks under $1B in assets
Bank 69.74%Peer median 67.8%Q4 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.29%0.60%1.01%1.45%Beats 67%207 / 629
Return on Equity12.24%5.38%9.30%13.28%Beats 69%197 / 629
Net Interest Margin4.33%3.03%3.54%4.05%Beats 85%94 / 629
Efficiency Ratio69.74%58.35%67.79%79.08%Beats 45%348 / 629
Asset Quality
Nonperforming Loans / Loans3.37%0.09%0.46%1.20%Beats 6%549 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 70%177 / 581
Capital
Tier 1 Capital Ratio10.52%11.24%13.84%18.77%Beats 16%528 / 629
Total Risk-Based Capital Ratio10.52%11.58%14.43%19.66%Beats 14%540 / 629
Equity / Assets10.54%9.09%10.65%13.80%Beats 48%328 / 629
Liquidity & Funding
Loans / Deposits90.15%67.24%80.90%93.48%70th pctl180 / 594
Loans / Assets76.05%53.31%67.71%78.15%69th pctl194 / 629
Brokered Deposits / Depositsn/aNot reported for this institution