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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=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer Standing

Trailing 9 quarters, through Q2 2026

Capital

29

Q2 2024Q2 2026Peer median (50)

Asset Quality

33

Q2 2024Q2 2026Peer median (50)

Profitability

49

Q2 2024Q2 2026Peer median (50)

Liquidity

87

Q2 2024Q2 2026Peer median (100)

Efficiency

86

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

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 $6.5MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $164.3M22%Noninterest $46.1MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.30%0.40%0.76%0.80%0.92%1.01%1.18%1.17%+38 bps
Return on Equity3.07%4.08%8.22%8.55%9.79%10.54%11.71%11.53%+298 bps
Net Interest Margin1.71%1.90%2.36%2.41%2.52%2.63%2.98%3.05%+64 bps
Efficiency Ratio84.48%79.77%64.72%61.86%56.19%57.27%51.20%52.68%-917 bps
Non-Interest Burden1.40%1.45%1.40%1.36%1.28%1.36%1.36%1.44%+8 bps
Growth
Asset Growth (YoY)4.57%6.23%8.95%12.86%9.88%5.90%0.20%-1.45%-1,431 bps
Loan Growth (YoY)12.70%16.67%22.93%24.32%22.40%15.07%6.03%3.56%-2,075 bps
Deposit Growth (YoY)1.59%2.26%5.11%7.09%5.92%6.00%1.19%2.11%-498 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.24%0.25%0.50%0.12%0.78%1.27%0.83%+32 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.03%0.02%0.06%0.12%0.08%+5 bps
Allowance / Loans0.85%0.87%0.75%0.75%0.84%0.86%0.81%0.83%+8 bps
Allowance Coverage of NPLs4.3x3.6x3.0x1.5x6.8x1.1x0.6x1.0x-0.5x
Capital
Tier 1 Leverage Ratio11.00%11.12%10.52%10.41%10.53%10.57%10.79%11.04%+63 bps
Total Risk-Based Capital11.00%11.12%10.52%10.41%10.53%10.57%10.79%11.04%+63 bps
Equity / Assets10.04%9.59%9.02%9.40%9.73%9.95%10.26%10.34%+94 bps
Liquidity & Funding
Loans / Deposits72.95%77.70%79.42%82.48%84.31%84.35%83.22%83.66%+117 bps
Liquid Assets / Assets18.83%18.25%16.31%15.38%15.00%15.08%15.01%14.13%-125 bps
CRE / Total Capitaln/an/an/an/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 2026-10-12

Smackover State Bank

Smackover, AR · Cert 5623 · Peer group: banks under $1B in assets (n=581-629) · 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 92 of 629).
  • Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets (rank 508 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.17%

Rank 253 of 629

Net Interest Margin

3.05%

Rank 466 of 629

Efficiency Ratio

52.69%

Rank 92 of 629

Equity / Assets

10.34%

Rank 348 of 629

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 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.17%0.60%1.01%1.45%Beats 60%253 / 629
Return on Equity11.29%5.38%9.30%13.28%Beats 62%237 / 629
Net Interest Margin3.05%3.03%3.54%4.05%Beats 26%466 / 629
Efficiency Ratio52.69%58.35%67.79%79.08%Beats 86%92 / 629
Asset Quality
Nonperforming Loans / Loans0.83%0.09%0.46%1.20%Beats 35%378 / 581
Net Charge-Offs / Loans0.04%n/a0.01%0.06%Beats 31%401 / 581
Capital
Tier 1 Capital Ratio11.04%11.24%13.84%18.77%Beats 23%483 / 629
Total Risk-Based Capital Ratio11.04%11.58%14.43%19.66%Beats 19%508 / 629
Equity / Assets10.34%9.09%10.65%13.80%Beats 45%348 / 629
Liquidity & Funding
Loans / Deposits83.66%67.24%80.90%93.48%54th pctl276 / 594
Loans / Assets69.75%53.31%67.71%78.15%55th pctl280 / 629
Brokered Deposits / Depositsn/aNot reported for this institution