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First National Bank of Commerce

Walnut Ridge, AR · Cert 3896 · First National Capital Corp.

National charter · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

18

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

39

Q2 2024Q2 2026peer median

Efficiency

55

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 of Commerce

Walnut Ridge, AR · Cert 3896 · First National Capital Corp.

National charter · OCC · 6 branches

Q2 2026

$296.6MAssets
$157.8MLoans
$268.8MDeposits
$26.4MEquity
Loan mix
82%RE $102.8M15%C&I $18.7M3%Consumer $4.1MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $219.5M18%Noninterest $49.2MQ2 2025Q2 2026

NIM

4.22%Q2 ’244.38%Q2 ’254.69%Q2 ’26+17%+18%

Non-interest income vs. expense

2.26%Q2 ’242.77%Q2 ’252.60%Q2 ’26+30%-8%

Market Position · Jonesboro, AR · 2026 SOD (annual) · 0.4% share · #23 of 25 inst. · $0.0B of $4.7B

45.9% Lawrence
20.3% Randolph
0.4% Craighead

Executive Summary

  • Earnings: ROA of 1.20%, up 52 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.17% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.65%, up 36 bps from a year ago.
  • Funding: loans stand at 58.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%+52 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+54 bps YoY

Efficiency Ratio (YTD, annualized)

63.01%-1,405 bps YoY

Tier 1 Leverage Ratio

10.65%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.67%0.82%1.09%1.20%+52 bps
Return on Equity9.16%8.89%10.59%13.22%14.13%+496 bps
Net Interest Margin3.03%3.11%3.11%3.45%3.56%+54 bps
Efficiency Ratio77.06%75.93%70.25%63.74%63.01%-1,405 bps
Non-Interest Burden2.20%2.22%2.02%1.97%2.03%-17 bps
Growth
Asset Growth (YoY)-0.38%0.63%3.43%7.25%3.74%+412 bps
Loan Growth (YoY)-0.26%5.72%13.49%18.87%24.28%+2,454 bps
Deposit Growth (YoY)-0.79%0.63%1.88%6.58%2.19%+298 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.37%0.31%0.25%0.17%0 bps
Net Charge-Offs / Loans0.22%0.14%0.13%-0.02%0.01%-21 bps
Allowance / Loans0.88%0.96%0.98%1.00%0.93%+5 bps
Allowance Coverage of NPLs5.4x2.6x3.2x4.0x5.6x+0.2x
Capital
Tier 1 Leverage Ratio10.29%10.45%10.45%10.23%10.65%+36 bps
Total Risk-Based Capital10.29%10.45%10.45%10.23%10.65%+36 bps
Equity / Assets7.34%8.09%8.55%7.96%8.91%+157 bps
Liquidity & Funding
Loans / Deposits48.29%51.27%52.78%53.13%58.73%+1,044 bps
Liquid Assets / Assets2.85%3.15%4.90%6.79%2.19%-67 bps
CRE / Total Capitaln/a70.31%80.37%88.84%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 of Commerce

Walnut Ridge, AR · Cert 3896 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First National Capital Corp.

National charter · OCC · 6 branches

Q2 2026

$296.6MAssets
$157.8MLoans
$268.8MDeposits
$26.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 75% of banks under $1B in assets operating in a single state (rank 189 of 746).
  • Widest gap: total risk-based capital ratio trails 86% of banks under $1B in assets operating in a single state (rank 639 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.21%

Rank 289 of 746

Net Interest Margin

3.56%

Rank 419 of 746

Efficiency Ratio

63.01%

Rank 337 of 746

Equity / Assets

8.91%

Rank 556 of 746

Non-interest income vs. expense

$1.8M$8.2MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 55% of banks under $1B in assets operating in a single state
Bank 63.01%Peer median 64.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%0.72%1.06%1.45%Beats 61%289 / 746
Return on Equity13.60%6.74%10.51%13.63%Beats 75%189 / 746
Net Interest Margin3.56%3.17%3.68%4.16%Beats 44%419 / 746
Efficiency Ratio63.01%55.74%64.58%75.47%Beats 55%337 / 746
Asset Quality
Nonperforming Loans / Loans0.17%0.09%0.42%1.07%Beats 69%234 / 743
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 36%475 / 743
Capital
Tier 1 Capital Ratio10.65%11.55%13.75%17.60%Beats 16%629 / 746
Total Risk-Based Capital Ratio10.65%11.71%14.33%18.43%Beats 14%639 / 746
Equity / Assets8.91%8.90%10.51%13.06%Beats 25%556 / 746
Liquidity & Funding
Loans / Deposits58.73%61.31%78.27%90.78%20th pctl594 / 746
Loans / Assets53.21%53.60%66.97%76.08%24th pctl566 / 746
Brokered Deposits / Depositsn/aNot reported for this institution