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Smackover State Bank

Smackover, AR · Cert 5623 · Smackover Bancshares Inc.

State charter, non-member · FDIC · 4 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=573 to 620). 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

29

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

86

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 2026-10-10

Smackover State Bank

Smackover, AR · Cert 5623 · Smackover Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$252.4MAssets
$176.0MLoans
$210.4MDeposits
$26.1MEquity
Loan mix
85%RE $146.3M11%C&I $19.2M4%Consumer $6.5MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $164.3M22%Noninterest $46.1MQ2 2025Q2 2026

NIM

3.96%Q2 ’244.72%Q2 ’255.11%Q2 ’26+40%+26%

Non-interest income vs. expense

1.77%Q2 ’241.71%Q2 ’251.80%Q2 ’26-8%+6%

Executive Summary

  • Earnings: ROA of 1.17%, up 38 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.83% of loans (+32 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 11.04%, up 63 bps from a year ago.
  • Funding: loans stand at 83.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.17%+38 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+64 bps YoY

Efficiency Ratio (YTD, annualized)

52.68%-917 bps YoY

Tier 1 Leverage Ratio

11.04%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.92%1.01%1.18%1.17%+38 bps
Return on Equity8.55%9.79%10.54%11.71%11.53%+298 bps
Net Interest Margin2.41%2.52%2.63%2.98%3.05%+64 bps
Efficiency Ratio61.86%56.19%57.27%51.20%52.68%-917 bps
Non-Interest Burden1.36%1.28%1.36%1.36%1.44%+8 bps
Growth
Asset Growth (YoY)12.86%9.88%5.90%0.20%-1.45%-1,431 bps
Loan Growth (YoY)24.32%22.40%15.07%6.03%3.56%-2,075 bps
Deposit Growth (YoY)7.09%5.92%6.00%1.19%2.11%-498 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.12%0.78%1.27%0.83%+32 bps
Net Charge-Offs / Loans0.03%0.02%0.06%0.12%0.08%+5 bps
Allowance / Loans0.75%0.84%0.86%0.81%0.83%+8 bps
Allowance Coverage of NPLs1.5x6.8x1.1x0.6x1.0x-0.5x
Capital
Tier 1 Leverage Ratio10.41%10.53%10.57%10.79%11.04%+63 bps
Total Risk-Based Capital10.41%10.53%10.57%10.79%11.04%+63 bps
Equity / Assets9.40%9.73%9.95%10.26%10.34%+94 bps
Liquidity & Funding
Loans / Deposits82.48%84.31%84.35%83.22%83.66%+117 bps
Liquid Assets / Assets15.38%15.00%15.08%15.01%14.13%-125 bps
CRE / Total Capitaln/a184.03%190.49%193.79%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 2026-10-10

Smackover State Bank

Smackover, AR · Cert 5623 · Peer group: banks under $1B in assets (n=573-620) · Smackover Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$252.4MAssets
$176.0MLoans
$210.4MDeposits
$26.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 86% of banks under $1B in assets (rank 89 of 620).
  • Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets (rank 503 of 620).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.17%

Rank 245 of 620

Net Interest Margin

3.05%

Rank 457 of 620

Efficiency Ratio

52.69%

Rank 89 of 620

Equity / Assets

10.34%

Rank 333 of 620

Non-interest income vs. expense

$0.9M$4.6MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 86% of banks under $1B in assets
Bank 52.69%Peer median 68.1%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.60%1.00%1.45%Beats 60%245 / 620
Return on Equity11.29%5.30%9.30%13.29%Beats 63%231 / 620
Net Interest Margin3.05%3.02%3.53%4.04%Beats 26%457 / 620
Efficiency Ratio52.69%58.35%68.08%79.37%Beats 86%89 / 620
Asset Quality
Nonperforming Loans / Loans0.83%0.09%0.47%1.27%Beats 36%369 / 573
Net Charge-Offs / Loans0.04%n/a0.01%0.06%Beats 30%402 / 573
Capital
Tier 1 Capital Ratio11.04%11.27%13.87%18.78%Beats 23%479 / 620
Total Risk-Based Capital Ratio11.04%11.69%14.57%19.67%Beats 19%503 / 620
Equity / Assets10.34%9.03%10.60%13.73%Beats 46%333 / 620
Liquidity & Funding
Loans / Deposits83.66%65.08%79.69%92.47%56th pctl259 / 585
Loans / Assets69.75%51.85%67.17%77.86%57th pctl269 / 620
Brokered Deposits / Depositsn/aNot reported for this institution