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Bank of 1889

Berryville, AR · Cert 3854 · Bk 1889 Employee STK Ownership Tr

State charter, Fed member · FED · 12 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

30

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

68

Q2 2024Q2 2026peer median

Efficiency

63

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

Bank of 1889

Berryville, AR · Cert 3854 · Bk 1889 Employee STK Ownership Tr

State charter, Fed member · FED · 12 branches

Q2 2026

$339.2MAssets
$262.6MLoans
$298.8MDeposits
$37.1MEquity
Loan mix
81%RE $204.0M10%C&I $24.6M9%Consumer $22.0MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $248.5M17%Noninterest $50.3MQ2 2025Q2 2026

NIM

6.50%Q2 ’246.69%Q2 ’256.39%Q2 ’26+1%-4%

Non-interest income vs. expense

3.89%Q2 ’243.98%Q2 ’253.79%Q2 ’26+4%-5%

Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 0.2% share · #38 of 42 inst. · $0.0B of $20.2B

17.6% Carroll
24.7% Searcy
2.8% Boone
5.0% Madison

Executive Summary

  • Earnings: ROA of 1.58%, down 7 bps year over year; NIM at 5.55%.
  • Asset quality: problem loans at 0.84% of loans (-21 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 10.85%, down 59 bps from a year ago.
  • Funding: loans stand at 87.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.58%-7 bps YoY

Net Interest Margin (YTD, annualized)

5.55%-24 bps YoY

Efficiency Ratio (YTD, annualized)

63.42%-39 bps YoY

Tier 1 Leverage Ratio

10.85%-59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.65%1.67%1.58%1.47%1.58%-7 bps
Return on Equity14.71%14.76%14.10%13.53%14.52%-19 bps
Net Interest Margin5.80%5.76%5.59%5.56%5.55%-24 bps
Efficiency Ratio63.81%63.46%65.26%64.09%63.42%-39 bps
Non-Interest Burden3.53%3.49%3.50%3.42%3.36%-17 bps
Growth
Asset Growth (YoY)3.04%4.25%10.04%11.01%10.37%+733 bps
Loan Growth (YoY)10.57%10.69%5.54%6.42%5.13%-544 bps
Deposit Growth (YoY)2.18%6.21%10.37%11.41%10.95%+878 bps
Asset Quality
Nonperforming Loans / Loans1.05%1.11%1.00%0.94%0.84%-21 bps
Net Charge-Offs / Loans0.11%0.12%0.16%0.15%0.17%+6 bps
Allowance / Loans1.11%1.12%1.11%1.15%1.13%+2 bps
Allowance Coverage of NPLs1.1x1.0x1.1x1.2x1.3x+0.3x
Capital
Tier 1 Leverage Ratio11.43%11.69%10.81%11.10%10.85%-59 bps
Total Risk-Based Capital11.43%11.69%10.81%11.10%10.85%-59 bps
Equity / Assets11.34%11.65%10.70%11.04%10.93%-41 bps
Liquidity & Funding
Loans / Deposits92.75%92.77%87.54%87.65%87.88%-487 bps
Liquid Assets / Assets5.25%5.03%4.82%4.79%4.76%-49 bps
CRE / Total Capitaln/a134.80%141.83%141.34%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

Bank of 1889

Berryville, AR · Cert 3854 · Peer group: banks under $1B in assets (n=581-629) · Bk 1889 Employee STK Ownership Tr

State charter, Fed member · FED · 12 branches

Q2 2026

$339.2MAssets
$262.6MLoans
$298.8MDeposits
$37.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 98% of banks under $1B in assets (rank 12 of 629).
  • Widest gap: total risk-based capital ratio trails 83% of banks under $1B in assets (rank 523 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.56%

Rank 133 of 629

Net Interest Margin

5.55%

Rank 12 of 629

Efficiency Ratio

63.42%

Rank 236 of 629

Equity / Assets

10.93%

Rank 295 of 629

Non-interest income vs. expense

$1.4M$12.9MINCOMEEXPENSE
Unfavorable gap of $11.4M · efficiency ratio beats 63% of banks under $1B in assets
Bank 63.42%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.56%0.60%1.01%1.45%Beats 79%133 / 629
Return on Equity14.28%5.38%9.30%13.28%Beats 80%124 / 629
Net Interest Margin5.55%3.03%3.54%4.05%Beats 98%12 / 629
Efficiency Ratio63.42%58.35%67.79%79.08%Beats 63%236 / 629
Asset Quality
Nonperforming Loans / Loans0.84%0.09%0.46%1.20%Beats 35%379 / 581
Net Charge-Offs / Loans0.11%n/a0.01%0.06%Beats 17%486 / 581
Capital
Tier 1 Capital Ratio10.85%11.24%13.84%18.77%Beats 20%504 / 629
Total Risk-Based Capital Ratio10.85%11.58%14.43%19.66%Beats 17%523 / 629
Equity / Assets10.93%9.09%10.65%13.80%Beats 53%295 / 629
Liquidity & Funding
Loans / Deposits87.88%67.24%80.90%93.48%64th pctl212 / 594
Loans / Assets77.41%53.31%67.71%78.15%73rd pctl170 / 629
Brokered Deposits / Depositsn/aNot reported for this institution