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First National Bank of Eastern Arkansas

Forrest City, AR · Cert 3863 · Bancshares of Eastern AR Inc.

National charter · OCC · 15 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 regionally3

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 regionally (n=94). 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

44

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

47

Q2 2024Q2 2026peer median

Efficiency

51

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

First National Bank of Eastern Arkansas

Forrest City, AR · Cert 3863 · Bancshares of Eastern AR Inc.

National charter · OCC · 15 branches

Q2 2026

$589.5MAssets
$376.3MLoans
$520.3MDeposits
$64.2MEquity
Loan mix
77%RE $249.3M19%C&I $62.8M4%Consumer $12.5MQ3 2024Q2 2026
Deposit mix
65%Interest-bearing $338.7M35%Noninterest $181.5MQ3 2024Q2 2026

Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.2% share · #40 of 48 inst. · $0.1B of $46.3B

66.1% St. Francis
3.3% Crittenden
40.5% Lee
3.6% Mississippi

Executive Summary

  • Earnings: ROA of 0.91%, down 8 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.64% of loans (+28 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 10.95%, down 32 bps from a year ago.
  • Funding: loans stand at 72.32% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.91%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+10 bps YoY

Efficiency Ratio (YTD, annualized)

62.38%+70 bps YoY

Tier 1 Leverage Ratio

10.95%-32 bps YoY

NIM

4.67%Q2 ’244.98%Q2 ’255.02%Q2 ’26+6%+3%

Non-interest income vs. expense

2.34%Q2 ’242.45%Q2 ’252.49%Q2 ’26+4%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.03%0.93%0.99%1.11%1.12%0.84%0.91%-8 bps
Return on Equity10.88%10.51%8.96%9.44%10.45%10.42%7.70%8.33%-111 bps
Net Interest Margin3.48%3.38%3.51%3.57%3.66%3.63%3.57%3.67%+10 bps
Efficiency Ratio61.77%61.65%62.25%61.68%59.42%58.49%63.35%62.38%+70 bps
Non-Interest Burden2.01%1.95%2.01%2.05%2.02%1.98%2.14%2.17%+12 bps
Growth
Asset Growth (YoY)2.56%1.16%2.69%4.22%6.25%5.70%8.44%3.66%-56 bps
Loan Growth (YoY)9.77%13.48%14.99%10.32%9.90%11.69%6.62%4.83%-549 bps
Deposit Growth (YoY)0.42%-0.17%1.31%3.03%5.72%4.71%8.16%3.57%+54 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.10%0.03%0.36%0.07%0.02%0.10%0.64%+28 bps
Net Charge-Offs / Loans0.29%0.24%0.06%0.03%0.17%0.16%0.02%0.17%+14 bps
Allowance / Loans0.96%1.15%1.14%1.21%1.14%1.23%1.30%1.47%+27 bps
Allowance Coverage of NPLs7.3x11.8x45.4x3.3x16.7x62.0x12.4x2.3x-1.0x
Capital
Tier 1 Leverage Ratio11.20%11.07%11.05%11.27%11.45%11.51%11.19%10.95%-32 bps
Total Risk-Based Capital11.20%11.07%11.05%11.27%11.45%11.51%11.19%10.95%-32 bps
Equity / Assets10.47%10.35%10.43%10.76%10.92%11.15%10.67%10.89%+13 bps
Liquidity & Funding
Loans / Deposits70.56%64.83%68.19%71.46%73.35%69.15%67.22%72.32%+87 bps
Liquid Assets / Assets11.73%19.59%18.17%17.59%16.48%20.24%21.93%17.10%-50 bps
CRE / Total Capitaln/an/an/an/a241%239%248%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

First National Bank of Eastern Arkansas

Forrest City, AR · Cert 3863 · Peer group: banks under $1B in assets operating regionally (n=94) · Bancshares of Eastern AR Inc.

National charter · OCC · 15 branches

Q2 2026

$589.5MAssets
$376.3MLoans
$520.3MDeposits
$64.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 65% of banks under $1B in assets operating regionally (rank 33 of 94).
  • Widest gap: net charge-offs / loans trails 83% of banks under $1B in assets operating regionally (rank 79 of 94).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.92%

Rank 65 of 94

Net Interest Margin

3.67%

Rank 54 of 94

Efficiency Ratio

62.38%

Rank 47 of 94

Equity / Assets

10.89%

Rank 33 of 94

Non-interest income vs. expense

$1.9M$15.1MINCOMEEXPENSE
Unfavorable gap of $13.2M · efficiency ratio beats 51% of banks under $1B in assets operating regionally
Bank 62.38%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.92%0.82%1.19%1.46%Beats 31%65 / 94
Return on Equity8.49%7.85%11.84%14.03%Beats 28%68 / 94
Net Interest Margin3.67%3.42%3.81%4.18%Beats 43%54 / 94
Efficiency Ratio62.38%55.99%62.41%73.02%Beats 51%47 / 94
Asset Quality
Nonperforming Loans / Loans0.64%0.19%0.47%1.14%Beats 41%56 / 94
Net Charge-Offs / Loans0.09%0.00%0.02%0.05%Beats 17%79 / 94
Capital
Tier 1 Capital Ratio10.95%10.28%11.95%15.07%Beats 34%62 / 94
Total Risk-Based Capital Ratio10.95%10.31%12.59%15.88%Beats 33%63 / 94
Equity / Assets10.89%8.98%10.21%11.41%Beats 65%33 / 94
Liquidity & Funding
Loans / Deposits72.32%72.62%84.44%94.55%21st pctl74 / 94
Loans / Assets63.83%62.50%72.84%78.99%28th pctl68 / 94
Brokered Deposits / Depositsn/aNot reported for this institution