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Letter portraitLegal landscapeQuarterYTD

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