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Signature Bank of Arkansas

Fayetteville, AR · Cert 89 · White River Bancshares Co.

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 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=313 to 319). 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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

84

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

53

Q2 2024Q2 2026peer median

Efficiency

43

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

Signature Bank of Arkansas

Fayetteville, AR · Cert 89 · White River Bancshares Co.

State charter, Fed member · FED · 10 branches

Q2 2026

$1.6BAssets
$1.4BLoans
$1.4BDeposits
$152.4MEquity
Loan mix
86%RE $1.1B13%C&I $0.2B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $1.2B18%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.58%Q2 ’245.81%Q2 ’255.78%Q2 ’26+10%+4%

Non-interest income vs. expense

2.72%Q2 ’242.42%Q2 ’252.48%Q2 ’26-13%+3%

Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 5.9% share · #3 of 42 inst. · $1.2B of $20.2B

9.5% Washington
3.1% Benton
49.6% Monroe
1.8% Craighead

Executive Summary

  • Earnings: ROA of 1.09%, up 11 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.04% of loans (+1 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.57%, up 44 bps from a year ago.
  • Funding: loans stand at 94.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+13 bps YoY

Efficiency Ratio (YTD, annualized)

61.54%-60 bps YoY

Tier 1 Leverage Ratio

9.57%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.02%1.09%1.01%1.09%+11 bps
Return on Equity11.02%11.54%12.30%11.18%11.96%+94 bps
Net Interest Margin3.32%3.32%3.32%3.45%3.45%+13 bps
Efficiency Ratio62.14%62.53%61.85%63.92%61.54%-60 bps
Non-Interest Burden1.87%1.89%1.86%2.01%1.92%+5 bps
Growth
Asset Growth (YoY)18.42%22.50%18.17%18.08%13.82%-460 bps
Loan Growth (YoY)21.57%26.86%17.40%14.64%12.04%-953 bps
Deposit Growth (YoY)23.11%24.02%20.84%19.10%14.55%-857 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.00%0.00%0.04%+1 bps
Net Charge-Offs / Loans0.02%0.02%0.01%0.01%0.01%-1 bps
Allowance / Loans1.16%1.15%1.16%1.16%1.17%+1 bps
Allowance Coverage of NPLs38.4x39.8xn/a762.4x29.8x-8.7x
Capital
Tier 1 Leverage Ratio9.12%8.94%8.98%9.65%9.57%+44 bps
Total Risk-Based Capital11.71%11.74%12.03%13.04%13.17%+146 bps
Equity / Assets8.69%8.72%8.86%9.14%9.34%+65 bps
Liquidity & Funding
Loans / Deposits96.54%97.55%95.50%91.29%94.43%-211 bps
Liquid Assets / Assets0.94%0.92%2.25%4.26%2.25%+131 bps
CRE / Total Capitaln/a487%463%423%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

Signature Bank of Arkansas

Fayetteville, AR · Cert 89 · Peer group: banks $1B-$10B in assets (n=313-319) · White River Bancshares Co.

State charter, Fed member · FED · 10 branches

Q2 2026

$1.6BAssets
$1.4BLoans
$1.4BDeposits
$152.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 93% of banks $1B-$10B in assets (rank 23 of 313).
  • Widest gap: tier 1 capital ratio trails 72% of banks $1B-$10B in assets (rank 230 of 319).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.07%

Rank 203 of 319

Net Interest Margin

3.45%

Rank 158 of 319

Efficiency Ratio

61.86%

Rank 184 of 319

Equity / Assets

9.34%

Rank 221 of 319

Non-interest income vs. expense

$9.2M$40.4MINCOMEEXPENSE
Unfavorable gap of $31.3M · efficiency ratio beats 43% of banks $1B-$10B in assets
Bank 61.86%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.07%0.91%1.21%1.53%Beats 36%203 / 319
Return on Equity11.41%8.49%11.44%14.57%Beats 49%163 / 319
Net Interest Margin3.45%3.06%3.43%3.81%Beats 50%158 / 319
Efficiency Ratio61.86%51.90%59.57%67.64%Beats 43%184 / 319
Asset Quality
Nonperforming Loans / Loans0.04%0.25%0.54%1.18%Beats 93%23 / 313
Net Charge-Offs / Loans0.01%0.01%0.04%0.12%Beats 74%82 / 313
Capital
Tier 1 Capital Ratio11.92%11.74%12.99%15.28%Beats 28%230 / 319
Total Risk-Based Capital Ratio13.17%12.61%14.01%16.23%Beats 34%210 / 319
Equity / Assets9.34%9.03%10.33%12.01%Beats 31%221 / 319
Liquidity & Funding
Loans / Deposits94.43%76.76%88.16%95.43%72nd pctl88 / 314
Loans / Assets83.12%65.79%74.05%79.84%86th pctl44 / 319
Brokered Deposits / Depositsn/aNot reported for this institution