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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

$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