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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

$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

6.74%Q2 ’246.79%Q2 ’256.54%Q2 ’260%-4%

Non-interest income vs. expense

3.91%Q2 ’244.06%Q2 ’253.86%Q2 ’26+5%-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 1.69%, down 2 bps year over year; NIM at 5.68%.
  • Asset quality: problem loans at 0.84% of loans (-21 bps YoY), with net charge-offs at 0.20%.
  • 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 (quarter, annualized)

1.69%-2 bps YoY

Net Interest Margin (quarter, annualized)

5.68%-21 bps YoY

Efficiency Ratio (quarter, annualized)

62.79%-98 bps YoY

Tier 1 Leverage Ratio

10.85%-59 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.72%1.31%1.47%1.69%-2 bps
Return on Equity15.07%14.95%11.76%13.53%15.40%+34 bps
Net Interest Margin5.89%5.99%5.86%5.56%5.68%-21 bps
Efficiency Ratio63.78%62.80%70.37%64.09%62.79%-98 bps
Non-Interest Burden3.58%3.59%4.00%3.42%3.40%-19 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 / Loans0.08%0.15%0.26%0.15%0.20%+12 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