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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

4.42%Q2 ’244.71%Q2 ’254.90%Q2 ’26+11%+6%

Non-interest income vs. expense

5.78%Q2 ’245.83%Q2 ’256.15%Q2 ’26-2%+12%

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 0.93%, up 7 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.65% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

0.93%+7 bps YoY

Net Interest Margin (quarter, annualized)

3.44%+19 bps YoY

Efficiency Ratio (quarter, annualized)

84.85%+152 bps YoY

Tier 1 Leverage Ratio

16.35%+23 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%1.05%0.53%1.15%0.93%+7 bps
Return on Equity6.91%8.05%3.95%8.65%6.96%+5 bps
Net Interest Margin3.25%3.34%3.35%3.53%3.44%+19 bps
Efficiency Ratio83.33%84.10%82.49%78.37%84.85%+152 bps
Non-Interest Burden2.08%2.15%2.14%2.01%2.34%+26 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 / Loans0.01%0.00%0.04%0.14%0.00%0 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