PackageTrendsPeer
Letter portraitLegal landscape

First National Bank

Paragould, AR · Cert 3887 · First Paragould Bankshares Inc.

National charter · OCC · 23 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets (n=322 to 328). 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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

15

Q2 2024Q2 2026peer median

Efficiency

57

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

Paragould, AR · Cert 3887 · First Paragould Bankshares Inc.

National charter · OCC · 23 branches

Q2 2026

$2.6BAssets
$2.1BLoans
$2.1BDeposits
$299.6MEquity
Loan mix
89%RE $1.7B9%C&I $0.2B3%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $1.9B11%Noninterest $0.2BQ2 2025Q2 2026

NIM

5.35%Q2 ’245.57%Q2 ’255.70%Q2 ’26+4%+11%

Non-interest income vs. expense

2.37%Q2 ’242.25%Q2 ’252.40%Q2 ’26-2%+9%

Market Position · Jonesboro, AR · 2026 SOD (annual) · 8.2% share · #4 of 25 inst. · $0.4B of $4.7B

58.5% Greene
9.0% Craighead
55.4% Clay
0.7% Pulaski

Executive Summary

  • Earnings: ROA of 1.20%, up 13 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.19% of loans (-19 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.12%, up 32 bps from a year ago.
  • Funding: loans stand at 99.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+36 bps YoY

Efficiency Ratio (YTD, annualized)

57.43%-165 bps YoY

Tier 1 Leverage Ratio

11.12%+32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.08%1.02%1.11%1.20%+13 bps
Return on Equity9.57%9.63%9.16%9.78%10.46%+89 bps
Net Interest Margin3.20%3.27%3.26%3.50%3.56%+36 bps
Efficiency Ratio59.07%58.39%58.93%58.38%57.43%-165 bps
Non-Interest Burden1.64%1.66%1.66%1.80%1.79%+14 bps
Growth
Asset Growth (YoY)4.70%4.68%3.24%1.88%3.18%-152 bps
Loan Growth (YoY)3.04%4.08%3.62%4.17%5.53%+249 bps
Deposit Growth (YoY)4.77%4.60%3.02%2.03%2.65%-213 bps
Asset Quality
Nonperforming Loans / Loans0.38%0.32%0.20%0.18%0.19%-19 bps
Net Charge-Offs / Loans0.04%0.05%0.05%-0.01%-0.01%-5 bps
Allowance / Loans1.28%1.37%1.52%1.61%1.66%+38 bps
Allowance Coverage of NPLs3.4x4.3x7.7x8.9x8.7x+5.3x
Capital
Tier 1 Leverage Ratio10.80%10.88%10.67%10.96%11.12%+32 bps
Total Risk-Based Capital14.72%14.83%14.80%14.89%14.68%-5 bps
Equity / Assets11.30%11.27%11.31%11.41%11.59%+29 bps
Liquidity & Funding
Loans / Deposits96.78%96.61%96.05%97.09%99.49%+272 bps
Liquid Assets / Assets6.43%6.25%6.38%5.54%4.57%-187 bps
CRE / Total Capitaln/a340%344%348%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

Paragould, AR · Cert 3887 · Peer group: banks $1B-$10B in assets (n=322-328) · First Paragould Bankshares Inc.

National charter · OCC · 23 branches

Q2 2026

$2.6BAssets
$2.1BLoans
$2.1BDeposits
$299.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 78% of banks $1B-$10B in assets (rank 72 of 322).
  • Widest gap: return on equity trails 62% of banks $1B-$10B in assets (rank 204 of 328).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.19%

Rank 175 of 328

Net Interest Margin

3.56%

Rank 139 of 328

Efficiency Ratio

57.92%

Rank 141 of 328

Equity / Assets

11.59%

Rank 97 of 328

Non-interest income vs. expense

$15.7M$61.8MINCOMEEXPENSE
Unfavorable gap of $46.1M · efficiency ratio beats 57% of banks $1B-$10B in assets
Bank 57.92%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.19%0.91%1.22%1.52%Beats 47%175 / 328
Return on Equity10.24%8.43%11.45%14.43%Beats 38%204 / 328
Net Interest Margin3.56%3.03%3.45%3.83%Beats 58%139 / 328
Efficiency Ratio57.92%51.61%59.56%67.53%Beats 57%141 / 328
Asset Quality
Nonperforming Loans / Loans0.19%0.24%0.51%1.03%Beats 78%72 / 322
Net Charge-Offs / Loans0.02%0.01%0.03%0.10%Beats 63%120 / 322
Capital
Tier 1 Capital Ratio13.42%11.75%13.15%15.47%Beats 55%148 / 328
Total Risk-Based Capital Ratio14.68%12.63%14.15%16.46%Beats 58%138 / 328
Equity / Assets11.59%9.15%10.33%12.01%Beats 70%97 / 328
Liquidity & Funding
Loans / Deposits99.49%76.63%87.92%95.36%84th pctl52 / 323
Loans / Assets81.68%65.18%74.15%79.98%81st pctl63 / 328
Brokered Deposits / Depositsn/aNot reported for this institution