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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

$505.7MAssets
$226.2MLoans
$433.0MDeposits
$68.1MEquity
Loan mix
93%RE $205.9M6%C&I $13.3M1%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $348.0M20%Noninterest $85.0MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.76%0.70%1.15%1.04%+42 bps
Return on Equity5.02%6.04%5.49%8.65%7.78%+276 bps
Net Interest Margin3.12%3.22%3.20%3.53%3.46%+34 bps
Efficiency Ratio87.72%86.40%85.40%78.37%81.68%-604 bps
Non-Interest Burden2.33%2.30%2.22%2.01%2.17%-17 bps
Growth
Asset Growth (YoY)-0.51%-0.03%3.59%2.57%5.50%+600 bps
Loan Growth (YoY)4.76%8.27%10.69%14.48%12.08%+732 bps
Deposit Growth (YoY)-1.29%-0.64%2.08%1.47%4.36%+565 bps
Asset Quality
Nonperforming Loans / Loans0.66%0.92%0.68%0.59%0.65%-1 bps
Net Charge-Offs / Loans0.02%0.01%0.02%0.14%0.07%+5 bps
Allowance / Loans1.22%1.18%1.24%1.18%1.22%0 bps
Allowance Coverage of NPLs1.9x1.3x1.8x2.0x1.9x0.0x
Capital
Tier 1 Leverage Ratio16.13%16.63%16.27%16.30%16.35%+23 bps
Total Risk-Based Capital16.13%16.63%16.27%16.30%16.35%+23 bps
Equity / Assets12.50%13.54%13.28%13.26%13.46%+96 bps
Liquidity & Funding
Loans / Deposits48.64%51.17%49.77%51.71%52.24%+360 bps
Liquid Assets / Assets12.30%12.13%12.25%11.80%12.12%-18 bps
CRE / Total Capitaln/a131.76%142.86%142.60%n/an/a