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Bank of Little Rock

Little Rock, AR · Cert 91280 · Little Rock Bankshares Inc.

State charter, Fed member · FED · 5 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

Capital

4

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

35

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

Bank of Little Rock

Little Rock, AR · Cert 91280 · Little Rock Bankshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$252.9MAssets
$130.7MLoans
$231.5MDeposits
$19.7MEquity
Loan mix
69%RE $88.9M27%C&I $35.1M4%Consumer $5.0MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $192.5M17%Noninterest $39.1MQ2 2025Q2 2026

NIM

3.99%Q2 ’244.39%Q2 ’255.16%Q2 ’26+31%+50%

Non-interest income vs. expense

3.59%Q2 ’243.71%Q2 ’254.20%Q2 ’26-2%+8%

Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.6% share · #21 of 42 inst. · $0.2B of $36.9B

Executive Summary

  • Earnings: ROA of -1.25%, down 158 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.51% of loans (-115 bps YoY), with net charge-offs at 6.55%.
  • Capital: tier 1 leverage ratio of 8.59%, down 105 bps from a year ago.
  • Funding: loans stand at 56.47% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.25%-158 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+128 bps YoY

Efficiency Ratio (YTD, annualized)

73.96%-1,631 bps YoY

Tier 1 Leverage Ratio

8.59%-105 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%-2.15%-1.31%0.97%-1.25%-158 bps
Return on Equity3.97%-26.63%-16.16%11.69%-15.36%-1,932 bps
Net Interest Margin2.56%2.95%3.15%3.64%3.85%+128 bps
Efficiency Ratio90.27%86.56%85.08%74.53%73.96%-1,631 bps
Non-Interest Burden2.15%2.31%2.48%2.29%2.32%+17 bps
Growth
Asset Growth (YoY)-1.56%-8.32%-9.94%-13.36%-13.10%-1,154 bps
Loan Growth (YoY)12.57%-3.51%-5.95%-8.52%-6.90%-1,947 bps
Deposit Growth (YoY)4.17%-0.37%-8.87%-14.28%-10.81%-1,497 bps
Asset Quality
Nonperforming Loans / Loans1.66%0.93%0.94%0.54%0.51%-115 bps
Net Charge-Offs / Loans0.38%0.28%0.21%0.83%6.55%+617 bps
Allowance / Loans1.56%1.68%1.67%1.66%1.74%+18 bps
Allowance Coverage of NPLs0.9x1.8x1.8x3.1x3.4x+2.5x
Capital
Tier 1 Leverage Ratio9.64%8.58%9.11%9.33%8.59%-105 bps
Total Risk-Based Capital18.15%15.86%9.11%9.33%8.59%-957 bps
Equity / Assets9.91%7.78%8.27%8.37%7.80%-210 bps
Liquidity & Funding
Loans / Deposits54.10%52.64%53.56%53.45%56.47%+237 bps
Liquid Assets / Assets42.41%1.31%1.35%1.33%1.43%-4,099 bps
CRE / Total Capitaln/a226%227%208%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

Bank of Little Rock

Little Rock, AR · Cert 91280 · Peer group: banks under $1B in assets (n=581-629) · Little Rock Bankshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$252.9MAssets
$130.7MLoans
$231.5MDeposits
$19.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 66% of banks under $1B in assets (rank 211 of 629).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets (rank 626 of 629).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-1.30%

Rank 602 of 629

Net Interest Margin

3.85%

Rank 211 of 629

Efficiency Ratio

73.96%

Rank 409 of 629

Equity / Assets

7.80%

Rank 565 of 629

Non-interest income vs. expense

$4.8M$10.8MINCOMEEXPENSE
Unfavorable gap of $6.0M · efficiency ratio beats 35% of banks under $1B in assets
Bank 73.96%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.30%0.60%1.01%1.45%Beats 4%602 / 629
Return on Equity-16.64%5.38%9.30%13.28%Beats 2%615 / 629
Net Interest Margin3.85%3.03%3.54%4.05%Beats 66%211 / 629
Efficiency Ratio73.96%58.35%67.79%79.08%Beats 35%409 / 629
Asset Quality
Nonperforming Loans / Loans0.51%0.09%0.46%1.20%Beats 48%306 / 581
Net Charge-Offs / Loans3.29%n/a0.01%0.06%Beats 0%580 / 581
Capital
Tier 1 Capital Ratio8.59%11.24%13.84%18.77%Beats 1%625 / 629
Total Risk-Based Capital Ratio8.59%11.58%14.43%19.66%Beats 0%626 / 629
Equity / Assets7.80%9.09%10.65%13.80%Beats 10%565 / 629
Liquidity & Funding
Loans / Deposits56.47%67.24%80.90%93.48%15th pctl506 / 594
Loans / Assets51.70%53.31%67.71%78.15%23rd pctl486 / 629
Brokered Deposits / Depositsn/aNot reported for this institution