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Petit Jean State Bank

Morrilton, AR · Cert 35084 · Petit Jean Bancshares Inc.

State charter, Fed member · FED · 2 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

78

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

69

Q2 2024Q2 2026peer median

Efficiency

97

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

Petit Jean State Bank

Morrilton, AR · Cert 35084 · Petit Jean Bancshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$260.0MAssets
$143.8MLoans
$210.5MDeposits
$44.1MEquity
Loan mix
69%RE $97.9M27%C&I $38.7M3%Consumer $4.8MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $173.4M18%Noninterest $37.1MQ2 2025Q2 2026

NIM

5.04%Q2 ’245.26%Q2 ’255.35%Q2 ’26+3%+5%

Non-interest income vs. expense

1.61%Q2 ’241.66%Q2 ’251.64%Q2 ’26+2%-1%

Executive Summary

  • Earnings: ROA of 1.97%, up 15 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.63% of loans (+51 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 16.93%, up 12 bps from a year ago.
  • Funding: loans stand at 68.31% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.97%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.82%+17 bps YoY

Efficiency Ratio (YTD, annualized)

39.95%-203 bps YoY

Tier 1 Leverage Ratio

16.93%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.82%1.89%1.81%1.94%1.97%+15 bps
Return on Equity10.92%11.30%10.76%11.55%11.68%+76 bps
Net Interest Margin3.66%3.69%3.65%3.83%3.82%+17 bps
Efficiency Ratio41.98%40.83%41.64%40.20%39.95%-203 bps
Non-Interest Burden1.36%1.33%1.35%1.37%1.35%-1 bps
Growth
Asset Growth (YoY)5.12%3.55%5.94%7.99%5.57%+45 bps
Loan Growth (YoY)6.87%5.36%11.29%15.20%9.72%+285 bps
Deposit Growth (YoY)3.91%2.13%5.42%8.56%5.96%+205 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.63%0.61%0.59%0.63%+51 bps
Net Charge-Offs / Loans0.14%0.10%0.07%-0.01%-0.01%-15 bps
Allowance / Loans1.88%1.81%1.94%1.87%1.88%0 bps
Allowance Coverage of NPLs16.5x2.9x3.2x3.2x3.0x-13.5x
Capital
Tier 1 Leverage Ratio16.81%17.02%16.84%16.81%16.93%+12 bps
Total Risk-Based Capital16.81%17.02%16.84%16.81%16.93%+12 bps
Equity / Assets16.59%16.95%17.22%16.33%16.96%+36 bps
Liquidity & Funding
Loans / Deposits65.96%67.68%68.29%67.32%68.31%+234 bps
Liquid Assets / Assets40.79%40.56%39.82%39.81%38.84%-195 bps
CRE / Total Capitaln/a144.35%141.41%148.03%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

Petit Jean State Bank

Morrilton, AR · Cert 35084 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Petit Jean Bancshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$260.0MAssets
$143.8MLoans
$210.5MDeposits
$44.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 97% of banks under $1B in assets operating in a single state (rank 24 of 746).
  • Widest gap: nonperforming loans / loans trails 59% of banks under $1B in assets operating in a single state (rank 437 of 743).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.95%

Rank 47 of 746

Net Interest Margin

3.82%

Rank 321 of 746

Efficiency Ratio

39.95%

Rank 24 of 746

Equity / Assets

16.96%

Rank 62 of 746

Non-interest income vs. expense

$0.8M$4.3MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 97% of banks under $1B in assets operating in a single state
Bank 39.95%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.95%0.72%1.06%1.45%Beats 94%47 / 746
Return on Equity11.48%6.74%10.51%13.63%Beats 59%303 / 746
Net Interest Margin3.82%3.17%3.68%4.16%Beats 57%321 / 746
Efficiency Ratio39.95%55.74%64.58%75.47%Beats 97%24 / 746
Asset Quality
Nonperforming Loans / Loans0.63%0.09%0.42%1.07%Beats 41%437 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 70%231 / 743
Capital
Tier 1 Capital Ratio16.93%11.55%13.75%17.60%Beats 72%211 / 746
Total Risk-Based Capital Ratio16.93%11.71%14.33%18.43%Beats 69%231 / 746
Equity / Assets16.96%8.90%10.51%13.06%Beats 92%62 / 746
Liquidity & Funding
Loans / Deposits68.31%61.31%78.27%90.78%33rd pctl498 / 746
Loans / Assets55.32%53.60%66.97%76.08%28th pctl538 / 746
Brokered Deposits / Depositsn/aNot reported for this institution