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Legacy Bank

Springdale, AR · Cert 57953 · Legacy Bancshares Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

17

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

62

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

Legacy Bank

Springdale, AR · Cert 57953 · Legacy Bancshares Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

$1.3BAssets
$1.1BLoans
$1.1BDeposits
$114.5MEquity
Loan mix
92%RE $976.9M7%C&I $70.2M1%Consumer $13.4MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $929.2M19%Noninterest $216.4MQ2 2025Q2 2026

NIM

5.15%Q2 ’245.34%Q2 ’255.79%Q2 ’26+22%+23%

Non-interest income vs. expense

2.21%Q2 ’242.27%Q2 ’252.33%Q2 ’26+5%0%

Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 5.7% share · #4 of 42 inst. · $1.1B of $20.2B

8.7% Washington
3.3% Benton

Executive Summary

  • Earnings: ROA of 1.40%, up 62 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.10% of loans (-22 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 8.85%, up 42 bps from a year ago.
  • Funding: loans stand at 94.93% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.40%+62 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+71 bps YoY

Efficiency Ratio (YTD, annualized)

55.54%-1,086 bps YoY

Tier 1 Leverage Ratio

8.85%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.94%0.99%1.33%1.40%+62 bps
Return on Equity9.10%10.84%11.31%14.57%15.48%+638 bps
Net Interest Margin3.14%3.17%3.45%3.98%3.85%+71 bps
Efficiency Ratio66.40%63.41%60.82%55.02%55.54%-1,086 bps
Non-Interest Burden2.00%1.91%1.99%2.06%2.00%-1 bps
Growth
Asset Growth (YoY)8.78%11.74%9.03%6.36%8.28%-50 bps
Loan Growth (YoY)9.44%15.85%21.25%21.83%16.83%+738 bps
Deposit Growth (YoY)8.68%11.87%6.15%5.66%7.87%-82 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.32%0.10%0.14%0.10%-22 bps
Net Charge-Offs / Loans0.02%0.01%0.03%0.00%-0.01%-3 bps
Allowance / Loans1.34%1.27%1.30%1.31%1.30%-4 bps
Allowance Coverage of NPLs4.2x3.9x13.5x9.5x13.3x+9.1x
Capital
Tier 1 Leverage Ratio8.43%8.29%8.80%8.94%8.85%+42 bps
Total Risk-Based Capital11.32%11.09%10.65%11.05%11.28%-4 bps
Equity / Assets8.58%8.73%9.14%9.06%9.02%+44 bps
Liquidity & Funding
Loans / Deposits87.65%91.25%100.98%97.68%94.93%+728 bps
Liquid Assets / Assets7.88%6.42%1.91%3.59%5.97%-191 bps
CRE / Total Capitaln/a411%437%450%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

Legacy Bank

Springdale, AR · Cert 57953 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Legacy Bancshares Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

$1.3BAssets
$1.1BLoans
$1.1BDeposits
$114.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 87% of banks $1B-$10B in assets operating in a single state (rank 35 of 258).
  • Widest gap: tier 1 capital ratio trails 91% of banks $1B-$10B in assets operating in a single state (rank 236 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.35%

Rank 96 of 258

Net Interest Margin

3.85%

Rank 68 of 258

Efficiency Ratio

55.93%

Rank 99 of 257

Equity / Assets

9.02%

Rank 198 of 258

Non-interest income vs. expense

$4.3M$29.4MINCOMEEXPENSE
Unfavorable gap of $25.1M · efficiency ratio beats 62% of banks $1B-$10B in assets operating in a single state
Bank 55.93%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.35%0.93%1.23%1.54%Beats 63%96 / 258
Return on Equity14.99%9.26%11.84%14.74%Beats 76%63 / 258
Net Interest Margin3.85%3.16%3.49%3.88%Beats 74%68 / 258
Efficiency Ratio55.93%51.71%60.30%69.65%Beats 62%99 / 257
Asset Quality
Nonperforming Loans / Loans0.10%0.19%0.46%0.90%Beats 87%35 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 83%47 / 258
Capital
Tier 1 Capital Ratio10.03%11.41%12.98%15.12%Beats 9%236 / 258
Total Risk-Based Capital Ratio11.28%12.10%13.91%16.08%Beats 18%212 / 258
Equity / Assets9.02%9.09%10.24%11.72%Beats 23%198 / 258
Liquidity & Funding
Loans / Deposits94.93%73.24%86.34%95.95%74th pctl68 / 258
Loans / Assets85.68%63.01%72.27%78.40%95th pctl13 / 258
Brokered Deposits / Depositsn/aNot reported for this institution