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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

$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