Rank The Banks. Arkansas 2018 Q2

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1 Rank The Banks Arkansas 2018 Q2

2 Disclosure Statement This material has been prepared by Banks Street Partners, LLC and its affiliate BSP Securities, LLC (collectively, BSP ) from certain publicly available data and third-party subscriptions. It is not investment research or a research recommendation, as it does not constitute substantive research or analysis. It is provided for informational purposes, intended for your use only, and does not constitute an invitation or offer to subscribe for or purchase any of the products or services mentioned. The information provided is not intended to provide a sufficient basis on which to make an investment decision. The information provided herein is as of the dates disclosed and does not constitute forward looking statements. The conclusions supported by this information is subject to change at any time without notice. BSP may, from time to time, participate or invest in transactions with issuers of securities that participate in the markets referred to herein, perform services for or solicit business from such issuers, and/or have a position or effect transactions in the securities or derivatives thereof. Past performance should not be taken as an indication or guarantee of future performance, and no representation or warranty, expressed or implied is made regarding future performance. The information set forth above has been obtained from or based upon sources believed by BSP to be reliable, but BSP do not represent or warrant its accuracy or completeness and is not responsible for losses or damages arising out of errors, omissions or changes in market factors. This material does not purport to contain all of the information that an interested party may desire and, in fact, provides only a limited view of a particular market. IRS Circular 230 Disclosure: BSP and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters included herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone not affiliated with BSP of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties. This presentation is not to be considered a solicitation to buy or sell any securities and does not constitute a commitment by any BSP entity to underwrite, subscribe for or place any securities or to arrange credit or to provide any other services. 2

3 Banks Street Partners Professionals Seasoned professionals with more than 190 years of combined experience and more than 500 transactions in the financial services industry ATLANTA CHARLOTTE Lee Burrows Chief Executive Officer (404) Berkeley McKeown Associate (404) Gary McNorrill President (704) Mark Saunders Managing Director (404) Johnny Bond Analyst (404) Andy Hitt Managing Director (919) Jeff Adams Managing Director (404) Asher Kenen Analyst (404) Matt Kennedy Vice President (704) Will Brackett Senior Vice President (404) Nicole Mansfield Business Manager (404) Robby Rucho Analyst (404) Drew Taylor Senior Associate (404) Alison Pickett Executive Assistant (404) Kristen Ertz Project Manager & Human Resources (704)

4 Rankings Per State Bank Listing Company Name - City - Parent Company - Date Established - Number of Offices - Employees - S Corp? - - ROAA - ROAE Top 50 Ranking by City - Employees- Number of Offices - Deposits - Deposits/Office - /Office - Deposits/Employee - /Employee - Net Interest Margin City - - Yield on Loans - Loan Growth Rate - Cost of Funds - Deposit Growth Rate - Loans/Deposits - Yield on Investment Securities (FTE) - Net Interest Margin Noninterest Income City - - Net Income - Service Charge on Deposits/Avg - Gain on Sale of Loans/Avg. - Net Servicing Fees/Avg - Net Gains on OREO/Avg. - Noninterest Income - Noninterest Income/Avg Overhead City - - Efficiency Ratio (FTE) - Employees - Number of Offices - Personnel Expense/Avg. - Occupancy Expense/Avg. - Other Expense/Avg. - Overhead/Avg Asset Quality City - - Gross Loans - LLR/Gross Loans - Adj Loans 30-89PD/Gross Loans - Adj 90+ PD/Gross Loans - Adj NPLs + Adj OREO/Gross Loans - NCO/Avg Loans - Asset Quality Composite ROAE City - - LTM Net Income - Employees - LTM Net Income/Employee 2017Q2 LTM Net Income 2016Q2 LTM Net Income - ROAA - ROAE Overall City - - Net Interest Margin Rank - Noninterest Income Rank - Overhead Rank - Asset Quality Rank - ROAE Rank - Overall Rank 4

5 Excluded Banks & Calculation Notes Excluded Banks: Excluded banks are usually special-purpose banks (such as trust banks), subsidiaries of foreign companies, or companies for which necessary data is not available as of this report None Calculation Notes: All data in this report is bank level and is as of or for the 12 months ending June 30, 2018 (unless noted otherwise) For banks that elect subchapter S status, return on average assets and return on average equity are adjusted to reflect the impact of a 30% corporate tax rate (The corporate tax rate is calculated using the average of a 35% corporate tax rate for quarters in 2017 and a 25% corporate tax rate for quarters in 2018) Asset quality index is the sum of: (Adjusted Loans PD/Loans) + (Adjusted Loans 90 PD/Loans )+ (Adjusted NPLs/Loans) + (Adjusted OREO/Loans) + (Net Chargeoffs/Avg Loans). Adjustments are made to exclude loans for which repayment of principal is wholly or partially guaranteed by the US government Overall ranking is based on an unweighted average of Net Interest Margin rank, Noninterest Income rank, Overhead rank, Asset Quality rank and ROAE rank As usual, this quarter s BSP Rank The Banks utilizes only reported numbers per call reports filed by the institutions with regulators. LTM figures for some companies in this report may include material one-time charges incurred in the fourth quarter of 2017 primarily related to the change in tax laws 5

6 Arkansas Bank Listing Company Name City Parent Company 6 Date Established Number of Offices Employees S Corp (Yes/No) Anstaff Bank Green Forest First National Bancorp, Inc. 5/4/ Yes 625, Arkansas County Bank De Witt DeWitt First Bankshares Corporation 4/12/ Yes 170, Armor Bank Forrest City Big Creek Bancshares, Inc 1/1/ No 79, Arvest Bank Fayetteville Arvest Bank Group, Inc. 1/1/ ,819 No 18,727, Bank of Bearden Bearden Bearden Bancshares, Inc. 7/5/ Yes 65, Bank of Cave City Cave City Sharp BancShares, Inc. 7/2/ Yes 109, Bank of Delight Delight 6/16/ Yes 126, Bank of England England MHBC Investments Limited Partnership I LLLP 8/8/ ,091 No 343, Bank of Gravett Gravette Legacy BancShares, Inc. 3/1/ Yes 111, Bank of Lake Village Lake Village Southeast Arkansas Bank Corporation 1/1/ No 66, Bank of Little Rock Little Rock Little Rock Bankshares, Inc. 10/21/ No 207, Bank of Prescott Prescott Prescott Bancshares, Inc. 8/10/ No 68,450 (2.17) (14.93) Bank of Salem Salem Smith Associated Banking Corporation 12/9/ No 137, Bank of Star City Star City Star City Bancshares, Inc. 4/7/ Yes 94, Bank OZK Little Rock 10/1/ ,466 No 22,220, Bodcaw Bank Stamps Bodcaw Bancshares, Inc. 1/1/ No 82, Capital Bank Little Rock Capital Bancshares, Inc. 9/8/ No 153,179 (0.35) (3.86) Centennial Bank Conway Home BancShares, Inc. 5/12/ ,767 No 14,904, Central Bank Little Rock 8/12/ No 203, Chambers Bank Danville Chambers Bancshares, Inc. 10/7/ Yes 821, Citizens Bank Batesville Citizens Bancshares of Batesville, Inc. 4/24/ No 815, Citizens Bank & Trust Company Van Buren First Bank Corp 5/1/ No 398, Commercial Bank & Trust Company Monticello Drew Bancshares, Inc. 11/29/ Yes 213, Community State Bank Bradley Allcorp, Inc. 4/10/ Yes 16, Cornerstone Bank Eureka Springs Eureka Bancshares, Inc. 5/4/ Yes 267, Cross County Bank Wynne Cross County Bancshares, Inc. 6/5/ No 236, DeWitt Bank and Trust Company De Witt DBT Financial Corporation 3/1/ Yes 95, Diamond Bank Glenwood Bainum Bancorp 12/16/ Yes 586, Eagle Bank and Trust Company Little Rock State Holding Company 7/1/ No 401, Farmers & Merchants Bank Stuttgart Farmers and Merchants Bankshares, Inc. 1/2/ No 1,066, Farmers Bank Greenwood Wilkinson Banking Corporation 9/25/ No 206, Farmers Bank & Trust Company Magnolia Magnolia Banking Corporation 9/26/ No 1,464, Farmers Bank and Trust Company Blytheville Farmers Bancorp, Inc. 3/16/ Yes 252, FBT Bank & Mortgage Fordyce FBT Bancshares, Inc. 1/6/ Yes 156, Fidelity National Bank West Memphis Carlson Bancshares, Inc. 11/4/ Yes 386, First Arkansas Bank and Trust Jacksonville First Arkansas BancShares, Inc. 11/5/ Yes 789, First Community Bank Batesville First Community Bancshares, Inc. 8/4/ No 1,383, First Community Bank of Eastern Arkansas Marion FCB Financial Services, Inc 10/13/ No 148, First Delta Bank Marked Tree Tyronza Bancshares, Inc. 10/17/ No 64, First Financial Bank El Dorado First Financial Banc Corporation 4/1/ Yes 999, First National Bank Paragould First Paragould Bankshares, Inc. 3/22/ No 1,370, First National Bank at Paris Paris Union Bankshares, Inc. 9/1/ Yes 154, First National Bank of Crossett Crossett Ashley Bancstock Company 1/1/ No 154, First National Bank of Eastern Arkansas Forrest City Bancshares of Eastern Arkansas, Inc. 11/1/ Yes 391, First National Bank of Fort Smith Fort Smith First Bank Corp 3/22/ No 1,305, ROAA ROAE

7 Arkansas Bank Listing, continued Company Name City Parent Company 7 Date Established Number of Offices Employees S Corp (Yes/No) First National Bank of Izard County Calico Rock Wyatt Bancshares, Inc. 5/1/ No 162, First National Bank of Lawrence County at Walnut Ridge Walnut Ridge First National Capital Corporation 3/27/ Yes 196, First National Bank of North Arkansas Berryville First Carroll Bankshares, Inc. 2/18/ Yes 193, First National Bank of Wynne Wynne First National Corporation of Wynne 12/3/ No 336, First NaturalState Bank McGehee First National Financial Corporation 1/2/ No 56, First Security Bank Searcy First Security Bancorp 2/6/ No 5,463, First Service Bank Greenbrier First Service Bancshares, Inc. 5/7/ No 287, First State Bank Lonoke Lonoke Bancshares, Inc. 3/18/ No 272, First State Bank Russellville First State Banking Corporation 1/12/ No 254, First State Bank Crossett Evergreen Bancshares, Inc. 1/4/ No 35, First State Bank of DeQueen De Queen First State Bancshares, Inc. 11/1/ Yes 237, First State Bank of Warren Warren Bradley Bancshares, Inc. 1/1/ Yes 111, First Western Bank Booneville First Western Bancshares, Inc. 4/18/ No 404, FNBC Bank Ash Flat FNBC Bancorp Inc 1/1/ Yes 444, Gateway Bank Rison Sigma Holdings, Inc. 3/7/ Yes 76, Generations Bank Camden Harrell Bancshares, Inc. 10/8/ No 490, Helena National Bank Helena Helena Bancshares, Inc. 4/1/ No 182, HomeBank of Arkansas Portland Peoples Home Holding, Inc 1/23/ No 71,813 (0.11) (1.00) Horatio State Bank Horatio Pioneer Bancshares, Inc. of Horatio, Ark 5/5/ No 199, Integrity First Bank, National Association Mountain Home Mountain Home Bancshares, Inc. 12/14/ No 485, Legacy National Bank Springdale Legacy BancShares, Inc. 3/28/ No 495, Logan County Bank Scranton 4/4/ No 83, Malvern National Bank Malvern MNB Bancshares, Inc. 7/28/ Yes 527, McGehee Bank McGehee Southeast Financial Bankstock Corporation 12/6/ Yes 128, Merchants & Planters Bank Newport M&P Community Bancshares, Inc. 8/6/ No 257, Merchants & Planters Bank Clarendon Clarendon Holding Company 7/23/ No 44, Merchants and Farmers Bank Dumas M & F Financial Corporation 5/10/ No 136, One Bank & Trust, National Association Little Rock 8/30/ No 255,790 (1.65) (63.60) Peoples Bank Magnolia Golden Oaks Bancshares, Inc. 6/22/ Yes 212, Peoples Bank Sheridan Peoples Bancorp, Inc. 9/13/ No 157, Petit Jean State Bank Morrilton Petit Jean Bancshares, Inc. 2/16/ No 187, Piggott State Bank Piggott Piggott Bankstock, Inc. 3/19/ Yes 86, Priority Bank Fayetteville Priority One Holding Company 7/3/ Yes 84, Relyance Bank, National Association Pine Bluff Jefferson Bancshares, Inc. 2/11/ No 804, River Town Bank Dardanelle Bank of Dardanelle Bankshares, Inc. 1/1/ No 136, RiverBank Pocahontas 8/5/ No 90, Riverside Bank Sparkman Riverside Bancshares, Inc. 9/19/ Yes 61, Riverwind Bank Augusta 2/20/ No 101, Security Bank Stephens Smith Associated Banking Corporation 4/1/ No 68, Signature Bank of Arkansas Fayetteville White River Bancshares Company 8/18/ No 640, Simmons Bank Pine Bluff Simmons First National Corporation 3/23/ ,645 No 16,138, Smackover State Bank Smackover Smackover Bancshares, Inc. 4/18/ No 182, Southern Bancorp Bank Arkadelphia Southern Bancorp, Inc. 3/1/ No 1,269, Stone Bank Mountain View Stone Bancshares, Inc. 4/29/ No 295, Today's Bank Huntsville Mathias Bancshares, Inc. 7/26/ Yes 213, ROAA ROAE

8 Arkansas Bank Listing, continued Company Name City Parent Company Date Established Number of Offices Employees S Corp (Yes/No) Union Bank & Trust Company Monticello First Union Financial Corporation 11/19/ Yes 210, Union Bank of Mena Mena Union Bankshares, Inc. 7/25/ Yes 260, United Bank Springdale United Holding Company, Inc. 1/1/ Yes 188, Warren Bank and Trust Company Warren 12/31/ Yes 123, ROAA ROAE 8

9 Arkansas Asset Ranking Rank Company Name City Employees Number of Offices 9 Deposits Deposits / Office / Office Deposits / Employee / Employee 1 Bank OZK Little Rock 2, ,897,085 73,955 91,820 7,258 9,011 22,220,380 2 Arvest Bank Fayetteville 5, ,167,858 54,993 63,700 2,778 3,218 18,727,731 3 Simmons Bank Pine Bluff 2, ,166,287 59,639 79,110 4,600 6,101 16,138,383 4 Centennial Bank Conway 1, ,821,065 66,387 91,441 6,124 8,435 14,904,936 5 First Security Bank Searcy ,175,798 52,858 69,160 4,839 6,331 5,463,603 6 Farmers Bank & Trust Company Magnolia ,268,629 55,158 63,690 4,699 5,425 1,464,862 7 First Community Bank Batesville ,088,332 51,825 65,891 3,182 4,046 1,383,715 8 First National Bank Paragould ,059,332 70,622 91,369 4,815 6,230 1,370,542 9 First National Bank of Fort Smith Fort Smith ,126,809 53,658 62,178 3,769 4,367 1,305, Southern Bancorp Bank Arkadelphia ,872 22,788 29,527 2,824 3,659 1,269, Farmers & Merchants Bank Stuttgart ,177 39,694 56,113 3,066 4,334 1,066, First Financial Bank El Dorado ,467 68,406 90,873 2,427 3, , Chambers Bank Danville ,199 34,537 43,249 4,101 5, , Citizens Bank Batesville ,179 37,220 42,908 3,802 4, , Relyance Bank, National Association Pine Bluff ,393 34,968 42,329 3,591 4, , First Arkansas Bank and Trust Jacksonville ,891 24,954 32,880 2,147 2, , Signature Bank of Arkansas Fayetteville , , ,168 3,785 4, , Anstaff Bank Green Forest ,996 46,000 52,107 3,632 4, , Diamond Bank Glenwood ,450 33,830 39,085 3,317 3, , Malvern National Bank Malvern ,373 28,958 35,152 3,266 3, , Legacy National Bank Springdale ,000 83,400 99,071 4,533 5, , Generations Bank Camden ,953 43,773 54,527 3,256 4, , Integrity First Bank, National Association Mountain Home ,505 41,951 48,538 3,277 3, , FNBC Bank Ash Flat ,617 27,718 37,083 3,655 4, , First Western Bank Booneville ,200 36,220 40,417 3,417 3, , Eagle Bank and Trust Company Little Rock ,999 23,231 30,868 1,565 2, , Citizens Bank & Trust Company Van Buren ,323 43,040 49,846 3,409 3, , First National Bank of Eastern Arkansas Forrest City ,408 24,958 27,984 3,360 3, , Fidelity National Bank West Memphis ,379 84,345 96,633 5,355 6, , Bank of England England 1, ,430 45,072 57, , First National Bank of Wynne Wynne ,251 41,750 48,045 3,564 4, , Stone Bank Mountain View ,280 58,320 73,861 3,333 4, , First Service Bank Greenbrier ,694 18,891 23,936 2,386 3, , First State Bank Lonoke ,212 41,202 45,483 4,415 4, , Cornerstone Bank Eureka Springs ,123 37,187 44,649 3,187 3, , Union Bank of Mena Mena ,342 76,781 86,834 4,041 4, , Merchants & Planters Bank Newport ,651 19,514 23,399 2,824 3, , One Bank & Trust, National Association Little Rock ,927 34,821 42,632 3,942 4, , First State Bank Russellville ,605 43,721 50,902 4,125 4, , Farmers Bank and Trust Company Blytheville ,514 30,645 36,120 4,378 5, , First State Bank of DeQueen De Queen ,552 34,925 39,515 3,881 4, , Cross County Bank Wynne ,727 22,525 26,267 2,385 2, , Commercial Bank & Trust Company Monticello ,324 34,465 42,782 4,308 5, , Today's Bank Huntsville ,819 16,529 19,372 2,191 2, , Peoples Bank Magnolia ,473 49,491 70,874 2,395 3, , Union Bank & Trust Company Monticello ,997 45,499 52,703 3,434 3, , Bank of Little Rock Little Rock ,950 36,990 41,526 1,434 1, , Farmers Bank Greenwood ,609 15,237 18,735 2,660 3, , Central Bank Little Rock ,922 55,974 67,981 6,459 7, , Horatio State Bank Horatio ,265 88,133 99,518 4,407 4, ,035

10 Arkansas Net Interest Margin Ranking Rank Company Name City Yield on Loans 10 Loan Growth Rate Cost of Funds Deposit Growth Rate Loans/ Deposits Yield on Investment Securities (FTE) 1 First National Bank of North Arkansas Berryville 193, Cross County Bank Wynne 236, First National Bank at Paris Paris 154, First State Bank Crossett 35, (2.51) Riverside Bank Sparkman 61, Bank of Salem Salem 137, Bank OZK Little Rock 22,220, First Financial Bank El Dorado 999, First National Bank of Crossett Crossett 154, Bank of Star City Star City 94, Horatio State Bank Horatio 199, RiverBank Pocahontas 90, Centennial Bank Conway 14,904, Today's Bank Huntsville 213, First Service Bank Greenbrier 287, (0.17) Merchants and Farmers Bank Dumas 136, Cornerstone Bank Eureka Springs 267, Bank of Gravett Gravette 111, (4.29) 0.54 (7.66) Farmers Bank Greenwood 206, Union Bank of Mena Mena 260, HomeBank of Arkansas Portland 71, (3.05) 0.92 (10.91) Bank of Cave City Cave City 109, Simmons Bank Pine Bluff 16,138, First National Bank of Izard County Calico Rock 162, (1.16) Priority Bank Fayetteville 84, Chambers Bank Danville 821, First Arkansas Bank and Trust Jacksonville 789, Community State Bank Bradley 16, First National Bank of Fort Smith Fort Smith 1,305, Southern Bancorp Bank Arkadelphia 1,269, First Community Bank of Eastern Arkansas Marion 148, (2.98) First State Bank of DeQueen De Queen 237, Bank of Lake Village Lake Village 66, McGehee Bank McGehee 128, (2.83) FBT Bank & Mortgage Fordyce 156, (0.14) First Western Bank Booneville 404, Farmers & Merchants Bank Stuttgart 1,066, (2.97) Signature Bank of Arkansas Fayetteville 640, Citizens Bank & Trust Company Van Buren 398, (0.04) Legacy National Bank Springdale 495, First State Bank Russellville 254, Riverwind Bank Augusta 101, Farmers Bank and Trust Company Blytheville 252, (45.53) 0.63 (51.65) Merchants & Planters Bank Newport 257, First National Bank of Lawrence County at Walnut Ridge Walnut Ridge 196, (0.82) 0.46 (1.35) Peoples Bank Magnolia 212, Union Bank & Trust Company Monticello 210, (0.19) Arkansas County Bank De Witt 170, (0.12) 0.49 (1.17) Security Bank Stephens 68, Citizens Bank Batesville 815, Net Interest Margin

11 Arkansas Noninterest Income Ranking Rank Company Name City Net Income 11 Service Charges on Deposits/ Avg Gain on Sale of Loans/ Avg Net Servicing Fees/ Avg Net Gains on OREO/ Avg Noninterest Income 1 Bank of England England 343,910 5, , Bank of Little Rock Little Rock 207, (0.03) 13, Priority Bank Fayetteville 84,295 1, , First Arkansas Bank and Trust Jacksonville 789,127 11, , Stone Bank Mountain View 295,442 1, (0.07) 6, First Financial Bank El Dorado 999,602 26, , Arvest Bank Fayetteville 18,727, , , Eagle Bank and Trust Company Little Rock 401,284 1, , FBT Bank & Mortgage Fordyce 156,784 2, , First Service Bank Greenbrier 287,229 3, , Bank of Cave City Cave City 109,916 1, , First National Bank of Crossett Crossett 154,392 2, , First National Bank at Paris Paris 154,913 2, , Simmons Bank Pine Bluff 16,138, , , Farmers Bank Greenwood 206,082 1, , First National Bank of Fort Smith Fort Smith 1,305,734 24, , Merchants & Planters Bank Newport 257,387 2, , First State Bank Crossett 35, Cornerstone Bank Eureka Springs 267,894 3, (0.06) 2, First National Bank of North Arkansas Berryville 193,177 2, , Today's Bank Huntsville 213,091 1, , Community State Bank Bradley 16, Union Bank of Mena Mena 260,503 5, , Relyance Bank, National Association Pine Bluff 804,245 7, , Farmers Bank and Trust Company Blytheville 252,841 5, (0.01) 3, Integrity First Bank, National Association Mountain Home 485,380 4, , First Western Bank Booneville 404,173 2, (0.20) 3, Union Bank & Trust Company Monticello 210,810 3, , First Community Bank Batesville 1,383,715 12, (0.02) 11, FNBC Bank Ash Flat 444,999 5, (0.02) 3, Riverside Bank Sparkman 61,989 1, First National Bank of Wynne Wynne 336,312 3, , Bank of Salem Salem 137,524 2, , Generations Bank Camden 490,747 3, , Bank of Gravett Gravette 111, Peoples Bank Magnolia 212,621 3, (0.08) 1, Southern Bancorp Bank Arkadelphia 1,269,643 12, (0.05) 9, First National Bank Paragould 1,370,542 15, , River Town Bank Dardanelle 136, First National Bank of Izard County Calico Rock 162,137 1, , First State Bank Russellville 254,511 2, , Centennial Bank Conway 14,904, , , Merchants and Farmers Bank Dumas 136,802 1, McGehee Bank McGehee 128,623 2, Signature Bank of Arkansas Fayetteville 640,838 4, (0.10) 4, United Bank Springdale 188,367 1, , Citizens Bank & Trust Company Van Buren 398,766 6, (0.01) 2, Citizens Bank Batesville 815,255 7, (0.01) 5, Cross County Bank Wynne 236,407 2, , Peoples Bank Sheridan 157,773 2, First National Bank of Lawrence County at Walnut Ridge Walnut Ridge 196,216 2, , NonInterest Income/ Avg

12 Arkansas Overhead Ranking Rank Company Name City Efficiency Ratio (FTE) 12 Employees Number of Offices Personnel Expense/ Avg. Occupancy Expense/ Avg. Other Expense/ Avg. 1 Logan County Bank Scranton 83, Petit Jean State Bank Morrilton 187, Bank OZK Little Rock 22,220, , Capital Bank Little Rock 153, Bank of Bearden Bearden 65, First Security Bank Searcy 5,463, Centennial Bank Conway 14,904, , Smackover State Bank Smackover 182, Peoples Bank Sheridan 157, RiverBank Pocahontas 90, Fidelity National Bank West Memphis 386, Horatio State Bank Horatio 199, First National Bank Paragould 1,370, Bodcaw Bank Stamps 82, Citizens Bank & Trust Company Van Buren 398, Bank of Delight Delight 126, First State Bank Lonoke 272, Central Bank Little Rock 203, Farmers Bank & Trust Company Magnolia 1,464, DeWitt Bank and Trust Company De Witt 95, First National Bank of Eastern Arkansas Forrest City 391, Armor Bank Forrest City 79, First National Bank of Fort Smith Fort Smith 1,305, First Delta Bank Marked Tree 64, Warren Bank and Trust Company Warren 123, Legacy National Bank Springdale 495, Arkansas County Bank De Witt 170, McGehee Bank McGehee 128, Anstaff Bank Green Forest 625, Merchants & Planters Bank Clarendon 44, Piggott State Bank Piggott 86, First State Bank Russellville 254, Peoples Bank Magnolia 212, First State Bank of Warren Warren 111, Security Bank Stephens 68, Farmers & Merchants Bank Stuttgart 1,066, Commercial Bank & Trust Company Monticello 213, First State Bank of DeQueen De Queen 237, First National Bank of Wynne Wynne 336, Diamond Bank Glenwood 586, First NaturalState Bank McGehee 56, Farmers Bank and Trust Company Blytheville 252, Riverside Bank Sparkman 61, Chambers Bank Danville 821, First Community Bank Batesville 1,383, Helena National Bank Helena 182, First National Bank of Izard County Calico Rock 162, Malvern National Bank Malvern 527, Simmons Bank Pine Bluff 16,138, , Union Bank & Trust Company Monticello 210, Overhead/ Avg.

13 Arkansas Asset Quality Ranking Rank Company Name City Gross Loans 13 Loan Loss Reserves/ Gross Loans Adj 30-89PD/ Gross Loans Adj 90+PD/ Gross Loans Adj NPLs + Adj OREO/ Gross Loans Net Chargeoffs/ Avg Loans 1 First National Bank of Eastern Arkansas Forrest City 391, , First State Bank Russellville 254, , (0.08) Peoples Bank Sheridan 157,773 70, Community State Bank Bradley 16,027 9, Riverside Bank Sparkman 61,989 54, Bank OZK Little Rock 22,220,380 16,763, First National Bank of Lawrence County at Walnut Ridge Walnut Ridge 196, , RiverBank Pocahontas 90,021 76, Integrity First Bank, National Association Mountain Home 485, , Bank of Delight Delight 126,336 93, First Security Bank Searcy 5,463,603 2,454, First National Bank Paragould 1,370,542 1,111, First National Bank of Crossett Crossett 154, , (0.06) Bank of Bearden Bearden 65,765 25, Centennial Bank Conway 14,904,936 10,897, Generations Bank Camden 490, , Merchants and Farmers Bank Dumas 136, , Bank of Star City Star City 94,669 69, Anstaff Bank Green Forest 625, , Security Bank Stephens 68,984 56, Simmons Bank Pine Bluff 16,138,383 11,406, Piggott State Bank Piggott 86,391 39, (0.01) First National Bank at Paris Paris 154, , Riverwind Bank Augusta 101,170 69, Fidelity National Bank West Memphis 386, , First Western Bank Booneville 404, , Helena National Bank Helena 182,851 62, First National Bank of Fort Smith Fort Smith 1,305, , (0.04) Bank of Gravett Gravette 111,951 72, (0.20) Cross County Bank Wynne 236, , Relyance Bank, National Association Pine Bluff 804, , Union Bank of Mena Mena 260, , Malvern National Bank Malvern 527, , (0.04) Farmers & Merchants Bank Stuttgart 1,066, , Citizens Bank Batesville 815, , First National Bank of Wynne Wynne 336, , Diamond Bank Glenwood 586, , Signature Bank of Arkansas Fayetteville 640, , (0.01) McGehee Bank McGehee 128, , United Bank Springdale 188, , Capital Bank Little Rock 153,179 65, Smackover State Bank Smackover 182,157 64, Logan County Bank Scranton 83,081 31, Citizens Bank & Trust Company Van Buren 398, , (0.14) Legacy National Bank Springdale 495, , (0.23) Farmers Bank and Trust Company Blytheville 252, , First Service Bank Greenbrier 287, , First State Bank of DeQueen De Queen 237, , Arvest Bank Fayetteville 18,727,731 12,375, First Community Bank Batesville 1,383,715 1,115, Asset Quality Composite

14 Arkansas Return on Average Equity Ranking Rank Company Name City LTM Net Income 14 Employees LTM Net Income / Employee 2017Q2 LTM Net Income 2016Q2 LTM Net Income 1 Riverside Bank Sparkman 61,989 1, ,340 1, RiverBank Pocahontas 90,021 1, , First National Bank of Fort Smith Fort Smith 1,305,734 24, ,450 16, First Financial Bank El Dorado 999,602 26, ,257 27, First National Bank of Crossett Crossett 154,392 2, ,599 1, Bank of Salem Salem 137,524 2, ,638 1, Horatio State Bank Horatio 199,035 3, ,696 2, First Security Bank Searcy 5,463, , , , Union Bank of Mena Mena 260,503 5, ,494 4, Bank OZK Little Rock 22,220, ,066 2, , , Citizens Bank & Trust Company Van Buren 398,766 6, ,893 5, Bank of Cave City Cave City 109,916 1, ,310 1, Farmers Bank & Trust Company Magnolia 1,464,862 19, ,954 20, First State Bank of DeQueen De Queen 237,092 3, ,614 3, Farmers Bank and Trust Company Blytheville 252,841 5, ,606 9, Peoples Bank Sheridan 157,773 2, ,984 1, Priority Bank Fayetteville 84,295 1, ,432 1, Union Bank & Trust Company Monticello 210,810 3, ,093 2, First Community Bank Batesville 1,383,715 12, ,094 10, Bank of England England 343,910 5,512 1, ,332 7, First National Bank Paragould 1,370,542 15, ,589 11, Commercial Bank & Trust Company Monticello 213,909 2, ,848 2, Peoples Bank Magnolia 212,621 3, ,720 2, First Service Bank Greenbrier 287,229 3, ,774 2, Simmons Bank Pine Bluff 16,138, ,797 2, , , First State Bank Russellville 254,511 2, ,806 2, Cornerstone Bank Eureka Springs 267,894 3, ,248 3, First National Bank at Paris Paris 154,913 2, ,317 2, FBT Bank & Mortgage Fordyce 156,784 2, , Arvest Bank Fayetteville 18,727, ,762 5, ,158 72, Armor Bank Forrest City 79, (204) (159) Petit Jean State Bank Morrilton 187,304 2, ,126 2, Citizens Bank Batesville 815,255 7, ,546 5, Cross County Bank Wynne 236,407 2, ,279 2, FNBC Bank Ash Flat 444,999 5, ,341 3, First National Bank of North Arkansas Berryville 193,177 2, ,343 2, Anstaff Bank Green Forest 625,284 7, ,277 5, Security Bank Stephens 68, Fidelity National Bank West Memphis 386,532 5, ,797 4, Piggott State Bank Piggott 86,391 1, , Integrity First Bank, National Association Mountain Home 485,380 4, ,039 3, Legacy National Bank Springdale 495,355 4, ,293 2, First State Bank Crossett 35, McGehee Bank McGehee 128,623 2, ,874 2, Bank of Bearden Bearden 65, Centennial Bank Conway 14,904, ,917 1, , , First National Bank of Wynne Wynne 336,312 3, ,706 2, Southern Bancorp Bank Arkadelphia 1,269,643 12, ,362 8, First Delta Bank Marked Tree 64, Diamond Bank Glenwood 586,282 6, ,965 7, ROAA ROAE

15 Arkansas Overall Ranking Rank Company Name City Net Interest Margin Rank 15 Noninterest Income Rank Overhead Rank 1 Bank OZK Little Rock 22,220, Riverside Bank Sparkman 61, First National Bank of Fort Smith Fort Smith 1,305, First National Bank of Crossett Crossett 154, RiverBank Pocahontas 90, Centennial Bank Conway 14,904, Simmons Bank Pine Bluff 16,138, Union Bank of Mena Mena 260, First National Bank at Paris Paris 154, First State Bank Russellville 254, First Security Bank Searcy 5,463, Peoples Bank Sheridan 157, First Financial Bank El Dorado 999, Citizens Bank & Trust Company Van Buren 398, First National Bank Paragould 1,370, Farmers Bank and Trust Company Blytheville 252, Bank of Salem Salem 137, First Service Bank Greenbrier 287, Cross County Bank Wynne 236, Bank of Cave City Cave City 109, McGehee Bank McGehee 128, Cornerstone Bank Eureka Springs 267, Integrity First Bank, National Association Mountain Home 485, Merchants and Farmers Bank Dumas 136, First State Bank of DeQueen De Queen 237, Horatio State Bank Horatio 199, First Community Bank Batesville 1,383, Anstaff Bank Green Forest 625, First National Bank of Lawrence County at Walnut Ridge Walnut Ridge 196, First National Bank of Wynne Wynne 336, Security Bank Stephens 68, Bank of Star City Star City 94, First National Bank of Eastern Arkansas Forrest City 391, Generations Bank Camden 490, Farmers Bank & Trust Company Magnolia 1,464, Citizens Bank Batesville 815, Community State Bank Bradley 16, Bank of Bearden Bearden 65, Farmers & Merchants Bank Stuttgart 1,066, Legacy National Bank Springdale 495, Relyance Bank, National Association Pine Bluff 804, FBT Bank & Mortgage Fordyce 156, First Western Bank Booneville 404, Priority Bank Fayetteville 84, Peoples Bank Magnolia 212, Union Bank & Trust Company Monticello 210, First National Bank of North Arkansas Berryville 193, Bank of Delight Delight 126, First State Bank Crossett 35, Bank of Gravett Gravette 111, Asset Quality Rank ROAE Rank Overall Rank

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