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Eagle Bank and Trust Company

Little Rock, AR · Cert 3873 · State Holding Co.

State charter, Fed member · FED · 13 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

68

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

12

Q2 2024Q2 2026peer median

Efficiency

21

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

Eagle Bank and Trust Company

Little Rock, AR · Cert 3873 · State Holding Co.

State charter, Fed member · FED · 13 branches

Q2 2026

$505.7MAssets
$226.2MLoans
$433.0MDeposits
$68.1MEquity
Loan mix
93%RE $205.9M6%C&I $13.3M1%Consumer $1.8MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $348.0M20%Noninterest $85.0MQ3 2024Q2 2026

Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.5% share · #26 of 42 inst. · $0.2B of $36.9B

30.0% Cleburne
0.5% Pulaski
5.4% Van Buren
0.4% Faulkner

Executive Summary

  • Earnings: ROA of 1.04%, up 42 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.65% of loans (-1 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 16.35%, up 23 bps from a year ago.
  • Funding: loans stand at 52.24% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.04%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+34 bps YoY

Efficiency Ratio (YTD, annualized)

81.68%-604 bps YoY

Tier 1 Leverage Ratio

16.35%+23 bps YoY

NIM

4.28%Q2 ’244.58%Q2 ’254.91%Q2 ’26+11%+11%

Non-interest income vs. expense

5.32%Q2 ’245.62%Q2 ’255.79%Q2 ’26+21%-7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.62%0.37%0.62%0.76%0.70%1.15%1.04%+42 bps
Return on Equity5.66%5.05%3.05%5.02%6.04%5.49%8.65%7.78%+276 bps
Net Interest Margin2.84%2.84%3.01%3.12%3.22%3.20%3.53%3.46%+34 bps
Efficiency Ratio87.28%88.13%93.01%87.72%86.40%85.40%78.37%81.68%-604 bps
Non-Interest Burden2.04%2.10%2.60%2.33%2.30%2.22%2.01%2.17%-17 bps
Growth
Asset Growth (YoY)6.37%2.09%2.54%-0.51%-0.03%3.59%2.57%5.50%+600 bps
Loan Growth (YoY)16.84%15.22%4.42%4.76%8.27%10.69%14.48%12.08%+732 bps
Deposit Growth (YoY)4.06%2.12%1.78%-1.29%-0.64%2.08%1.47%4.36%+565 bps
Asset Quality
Nonperforming Loans / Loans0.40%0.60%0.49%0.66%0.92%0.68%0.59%0.65%-1 bps
Net Charge-Offs / Loans0.03%0.02%0.04%0.02%0.01%0.02%0.14%0.07%+5 bps
Allowance / Loans1.17%1.21%1.24%1.22%1.18%1.24%1.18%1.22%0 bps
Allowance Coverage of NPLs2.9x2.0x2.5x1.9x1.3x1.8x2.0x1.9x0.0x
Capital
Tier 1 Leverage Ratio16.02%15.70%16.00%16.13%16.63%16.27%16.30%16.35%+23 bps
Total Risk-Based Capital16.02%15.70%16.00%16.13%16.63%16.27%16.30%16.35%+23 bps
Equity / Assets13.22%11.92%12.37%12.50%13.54%13.28%13.26%13.46%+96 bps
Liquidity & Funding
Loans / Deposits46.96%45.90%45.84%48.64%51.17%49.77%51.71%52.24%+360 bps
Liquid Assets / Assets12.47%12.39%12.19%12.30%12.13%12.25%11.80%12.12%-18 bps
CRE / Total Capitaln/an/an/an/a131.76%142.86%142.60%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

Eagle Bank and Trust Company

Little Rock, AR · Cert 3873 · Peer group: banks under $1B in assets (n=581-629) · State Holding Co.

State charter, Fed member · FED · 13 branches

Q2 2026

$505.7MAssets
$226.2MLoans
$433.0MDeposits
$68.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 73% of banks under $1B in assets (rank 170 of 629).
  • Widest gap: efficiency ratio trails 79% of banks under $1B in assets (rank 495 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.03%

Rank 307 of 629

Net Interest Margin

3.46%

Rank 336 of 629

Efficiency Ratio

81.68%

Rank 495 of 629

Equity / Assets

13.46%

Rank 170 of 629

Non-interest income vs. expense

$18.2M$29.1MINCOMEEXPENSE
Unfavorable gap of $10.9M · efficiency ratio beats 21% of banks under $1B in assets
Bank 81.68%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.03%0.60%1.01%1.45%Beats 51%307 / 629
Return on Equity7.63%5.38%9.30%13.28%Beats 37%396 / 629
Net Interest Margin3.46%3.03%3.54%4.05%Beats 47%336 / 629
Efficiency Ratio81.68%58.35%67.79%79.08%Beats 21%495 / 629
Asset Quality
Nonperforming Loans / Loans0.65%0.09%0.46%1.20%Beats 41%346 / 581
Net Charge-Offs / Loans0.05%n/a0.01%0.06%Beats 29%411 / 581
Capital
Tier 1 Capital Ratio16.35%11.24%13.84%18.77%Beats 66%211 / 629
Total Risk-Based Capital Ratio16.35%11.58%14.43%19.66%Beats 64%229 / 629
Equity / Assets13.46%9.09%10.65%13.80%Beats 73%170 / 629
Liquidity & Funding
Loans / Deposits52.24%67.24%80.90%93.48%12th pctl523 / 594
Loans / Assets44.73%53.31%67.71%78.15%17th pctl525 / 629
Brokered Deposits / Depositsn/aNot reported for this institution