Rank The Banks. Arkansas 2018 Q3

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1 Rank The Banks Arkansas 2018 Q3

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) Johnny Bond Analyst (404) Gary McNorrill President (704) Mark Saunders Managing Director (404) Jeff Adams Managing Director (404) Will Brackett Senior Vice President (404) Drew Taylor Senior Associate (404) Dan Eipp Analyst (404) Asher Kenen Analyst (404) Nicole Mansfield Business Manager (404) Alison Pickett Executive Assistant (404) Andy Hitt Managing Director (919) Matt Kennedy Vice President (704) Berkeley McKeown Associate (704) Robby Rucho Analyst (704) 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 2017Q3 LTM Net Income 2016Q3 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 September 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 27.5% 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 648, Arkansas County Bank De Witt DeWitt First Bankshares Corporation 4/12/ Yes 175, Armor Bank Forrest City Big Creek Bancshares, Inc 1/1/ No 85, Arvest Bank Fayetteville Arvest Bank Group, Inc. 1/1/ ,830 No 18,455, Bank of Bearden Bearden Bearden Bancshares, Inc. 7/5/ Yes 55, Bank of Cave City Cave City Sharp BancShares, Inc. 7/2/ Yes 110, Bank of Delight Delight 6/16/ Yes 122, Bank of England England MHBC Investments Limited Partnership I LLLP 8/8/ ,239 No 321, Bank of Gravett Gravette Legacy BancShares, Inc. 3/1/ No 129, Bank of Lake Village Lake Village Southeast Arkansas Bank Corporation 1/1/ No 71, Bank of Little Rock Little Rock Little Rock Bankshares, Inc. 10/21/ No 201,112 (0.21) (2.04) Bank of Prescott Prescott Prescott Bancshares, Inc. 8/10/ No 72,567 (2.28) (15.84) Bank of Salem Salem Smith Associated Banking Corporation 12/9/ No 134, Bank of Star City Star City Star City Bancshares, Inc. 4/7/ Yes 94, Bank OZK Little Rock 10/1/ ,509 No 22,086, Bodcaw Bank Stamps Bodcaw Bancshares, Inc. 1/1/ No 84, Capital Bank Little Rock Capital Bancshares, Inc. 9/8/ No 158,793 (0.36) (4.26) Centennial Bank Conway Home BancShares, Inc. 5/12/ ,784 No 14,897, Central Bank Little Rock 8/12/ No 207, Chambers Bank Danville Chambers Bancshares, Inc. 10/7/ Yes 814, Citizens Bank Batesville Citizens Bancshares of Batesville, Inc. 4/24/ No 849, Citizens Bank & Trust Company Van Buren First Bank Corp 5/1/ No 394, Commercial Bank & Trust Company Monticello Drew Bancshares, Inc. 11/29/ Yes 217, Community State Bank Bradley Allcorp, Inc. 4/10/ Yes 15, Cornerstone Bank Eureka Springs Eureka Bancshares, Inc. 5/4/ Yes 277, Cross County Bank Wynne Cross County Bancshares, Inc. 6/5/ No 252, DeWitt Bank and Trust Company De Witt DBT Financial Corporation 3/1/ Yes 99, Diamond Bank Glenwood Bainum Bancorp 12/16/ Yes 589, 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 1,098, Farmers Bank Greenwood Wilkinson Banking Corporation 9/25/ No 202, 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 264, FBT Bank & Mortgage Fordyce FBT Bancshares, Inc. 1/6/ Yes 160, Fidelity National Bank West Memphis Carlson Bancshares, Inc. 11/4/ Yes 381, First Arkansas Bank and Trust Jacksonville First Arkansas BancShares, Inc. 11/5/ Yes 746, First Community Bank Batesville First Community Bancshares, Inc. 8/4/ No 1,425, First Community Bank of Eastern Arkansas Marion FCB Financial Services, Inc 10/13/ No 156, First Delta Bank Marked Tree Tyronza Bancshares, Inc. 10/17/ No 68, First Financial Bank El Dorado First Financial Banc Corporation 4/1/ Yes 1,021, First National Bank Paragould First Paragould Bankshares, Inc. 3/22/ No 1,631, First National Bank at Paris Paris Union Bankshares, Inc. 9/1/ Yes 155, First National Bank of Crossett Crossett Ashley Bancstock Company 1/1/ No 153, First National Bank of Eastern Arkansas Forrest City Bancshares of Eastern Arkansas, Inc. 11/1/ Yes 404, 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 161, First National Bank of Lawrence County at Walnut Ridge Walnut Ridge First National Capital Corporation 3/27/ Yes 205, First National Bank of North Arkansas Berryville First Carroll Bankshares, Inc. 2/18/ Yes 195, First National Bank of Wynne Wynne First National Corporation of Wynne 12/3/ No 337, First NaturalState Bank McGehee First National Financial Corporation 1/2/ No 58, First Security Bank Searcy First Security Bancorp 2/6/ No 5,277, First Service Bank Greenbrier First Service Bancshares, Inc. 5/7/ No 297, First State Bank Lonoke Lonoke Bancshares, Inc. 3/18/ No 269, First State Bank Russellville First State Banking Corporation 1/12/ No 257, First State Bank Crossett Evergreen Bancshares, Inc. 1/4/ No 34, First State Bank of DeQueen De Queen First State Bancshares, Inc. 11/1/ Yes 240, First State Bank of Warren Warren Bradley Bancshares, Inc. 1/1/ Yes 109, First Western Bank Booneville First Western Bancshares, Inc. 4/18/ No 419, FNBC Bank Ash Flat FNBC Bancorp Inc 1/1/ Yes 451, Gateway Bank Rison Sigma Holdings, Inc. 3/7/ Yes 71, Generations Bank Camden Harrell Bancshares, Inc. 10/8/ No 496, HNB Bank Helena Helena Bancshares, Inc. 4/1/ No 167, HomeBank of Arkansas Portland Peoples Home Holding, Inc 1/23/ No 70,826 (0.24) (2.19) Horatio State Bank Horatio Pioneer Bancshares, Inc. of Horatio, Ark 5/5/ No 201, Integrity First Bank, National Association Mountain Home Mountain Home Bancshares, Inc. 12/14/ No 498, Legacy National Bank Springdale Legacy BancShares, Inc. 3/28/ No 505, Logan County Bank Scranton 4/4/ No 81, Malvern National Bank Malvern MNB Bancshares, Inc. 7/28/ Yes 532, McGehee Bank McGehee Southeast Financial Bankstock Corporation 12/6/ Yes 140, Merchants & Planters Bank Newport M&P Community Bancshares, Inc. 8/6/ No 267, Merchants & Planters Bank Clarendon Clarendon Holding Company 7/23/ No 44, Merchants and Farmers Bank Dumas M & F Financial Corporation 5/10/ No 152, Peoples Bank Magnolia Golden Oaks Bancshares, Inc. 6/22/ Yes 217, Peoples Bank Sheridan Peoples Bancorp, Inc. 9/13/ No 155, Petit Jean State Bank Morrilton Petit Jean Bancshares, Inc. 2/16/ No 185, Piggott State Bank Piggott Piggott Bankstock, Inc. 3/19/ Yes 84, Priority Bank Fayetteville Priority One Holding Company 7/3/ Yes 85, Relyance Bank, National Association Pine Bluff Jefferson Bancshares, Inc. 2/11/ No 836, River Town Bank Dardanelle Bank of Dardanelle Bankshares, Inc. 1/1/ No 134, RiverBank Pocahontas 8/5/ No 88, Riverside Bank Sparkman Riverside Bancshares, Inc. 9/19/ Yes 62, Riverwind Bank Augusta 2/20/ No 102, Security Bank Stephens Smith Associated Banking Corporation 4/1/ No 67, Signature Bank of Arkansas Fayetteville White River Bancshares Company 8/18/ No 627, Simmons Bank Pine Bluff Simmons First National Corporation 3/23/ ,619 No 16,258, Smackover State Bank Smackover Smackover Bancshares, Inc. 4/18/ No 182, Southern Bancorp Bank Arkadelphia Southern Bancorp, Inc. 3/1/ No 1,323, Stone Bank Mountain View Stone Bancshares, Inc. 4/29/ No 340, Today's Bank Huntsville Mathias Bancshares, Inc. 7/26/ Yes 232, Union Bank & Trust Company Monticello First Union Financial Corporation 11/19/ Yes 211, ROAA ROAE

8 Arkansas Bank Listing, continued Company Name City Parent Company Date Established Number of Offices Employees S Corp (Yes/No) Union Bank of Mena Mena Union Bankshares, Inc. 7/25/ Yes 261, United Bank Springdale United Holding Company, Inc. 1/1/ Yes 190, Warren Bank and Trust Company Warren 12/31/ Yes 122, 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, ,822,915 73,648 91,267 7,104 8,803 22,086,539 2 Arvest Bank Fayetteville 5, ,830,116 53,844 62,774 2,715 3,166 18,455,491 3 Simmons Bank Pine Bluff 2, ,304,068 60,314 79,697 4,698 6,208 16,258,268 4 Centennial Bank Conway 1, ,726,175 65,805 91,395 6,012 8,351 14,897,457 5 First Security Bank Searcy ,052,985 51,304 66,805 4,791 6,238 5,277,567 6 First National Bank Paragould ,296,013 61,715 77,669 4,765 5,996 1,631,039 7 Farmers Bank & Trust Company Magnolia ,276,730 55,510 63,677 4,929 5,655 1,464,580 8 First Community Bank Batesville ,090,718 51,939 67,862 3,152 4,119 1,425,111 9 Southern Bancorp Bank Arkadelphia ,033,008 24,023 30,786 2,986 3,826 1,323, First National Bank of Fort Smith Fort Smith ,126,963 53,665 62,171 3,820 4,426 1,305, Farmers & Merchants Bank Stuttgart ,210 39,537 57,815 3,091 4,520 1,098, First Financial Bank El Dorado ,217 70,202 92,860 2,444 3,232 1,021, Citizens Bank Batesville ,277 37,225 44,691 3,844 4, , Relyance Bank, National Association Pine Bluff ,439 36,181 44,033 3,657 4, , Chambers Bank Danville ,459 34,340 42,894 4,028 5, , First Arkansas Bank and Trust Jacksonville ,454 23,311 31,087 2,049 2, , Anstaff Bank Green Forest ,415 47,785 54,005 3,723 4, , Signature Bank of Arkansas Fayetteville , , ,501 3,750 4, , Diamond Bank Glenwood ,252 34,083 39,314 3,526 4, , Malvern National Bank Malvern ,939 29,663 35,486 3,476 4, , Legacy National Bank Springdale ,654 87, ,102 4,779 5, , Integrity First Bank, National Association Mountain Home ,655 43,166 49,857 3,399 3, , Generations Bank Camden ,241 44,582 55,135 3,459 4, , FNBC Bank Ash Flat ,122 28,177 37,586 3,450 4, , First Western Bank Booneville ,384 35,638 41,970 3,394 3, , First National Bank of Eastern Arkansas Forrest City ,751 25,339 28,882 3,315 3, , Eagle Bank and Trust Company Little Rock ,601 23,739 30,873 1,633 2, , Citizens Bank & Trust Company Van Buren ,867 42,608 49,358 3,342 3, , Fidelity National Bank West Memphis ,827 82,957 95,491 5,530 6, , Stone Bank Mountain View ,046 71,762 85,228 3,879 4, , First National Bank of Wynne Wynne ,539 40,791 48,159 3,482 4, , Bank of England England 1, ,715 39,286 53, , First Service Bank Greenbrier ,326 19,777 24,771 2,472 3, , Cornerstone Bank Eureka Springs ,177 38,030 46,169 2,925 3, , First State Bank Lonoke ,826 40,804 44,948 4,534 4, , Merchants & Planters Bank Newport ,171 21,016 24,313 3,042 3, , Farmers Bank and Trust Company Blytheville ,820 29,546 37,752 4,221 5, , Union Bank of Mena Mena ,868 75,956 87,293 3,736 4, , First State Bank Russellville ,347 44,069 51,552 4,157 4, , Cross County Bank Wynne ,966 21,996 28,040 2,302 2, , First State Bank of DeQueen De Queen ,219 35,537 40,091 3,949 4, , Today's Bank Huntsville ,731 17,339 21,161 2,326 2, , Commercial Bank & Trust Company Monticello ,283 34,657 43,513 4,332 5, , Peoples Bank Magnolia ,144 51,048 72,408 2,393 3, , Union Bank & Trust Company Monticello ,016 44,754 52,942 3,197 3, , Central Bank Little Rock ,681 56,560 69,333 6,526 8, , First National Bank of Lawrence County at Walnut Ridge Walnut Ridge ,309 35,062 41,043 2,922 3, , Farmers Bank Greenwood ,578 14,871 18,437 2,596 3, , Horatio State Bank Horatio ,859 88, ,618 4,681 5, , Bank of Little Rock Little Rock ,888 35,578 40,222 1,379 1, ,112

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 195, Cross County Bank Wynne 252, First National Bank at Paris Paris 155, First State Bank Crossett 34, (5.22) First National Bank of Crossett Crossett 153, (6.53) Riverside Bank Sparkman 62, (1.31) Bank of Salem Salem 134, First Financial Bank El Dorado 1,021, Bank of Star City Star City 94, (0.08) RiverBank Pocahontas 88, (0.02) Bank OZK Little Rock 22,086, Horatio State Bank Horatio 201, Centennial Bank Conway 14,897, First Service Bank Greenbrier 297, Bank of Gravett Gravette 129, HomeBank of Arkansas Portland 70, (2.35) 0.96 (11.66) Community State Bank Bradley 15, Merchants and Farmers Bank Dumas 152, Farmers Bank Greenwood 202, Cornerstone Bank Eureka Springs 277, Union Bank of Mena Mena 261, Bank of Cave City Cave City 110, First National Bank of Izard County Calico Rock 161, (1.56) First Arkansas Bank and Trust Jacksonville 746, Simmons Bank Pine Bluff 16,258, Priority Bank Fayetteville 85, NA First National Bank of Fort Smith Fort Smith 1,305, Bank of Lake Village Lake Village 71, McGehee Bank McGehee 140, (6.02) 0.37 (13.11) FBT Bank & Mortgage Fordyce 160, Today's Bank Huntsville 232, Chambers Bank Danville 814, Southern Bancorp Bank Arkadelphia 1,323, First Community Bank of Eastern Arkansas Marion 156, (1.68) Citizens Bank & Trust Company Van Buren 394, (2.16) First State Bank Russellville 257, Farmers Bank and Trust Company Blytheville 264, (43.74) 0.68 (55.07) Merchants & Planters Bank Newport 267, First Western Bank Booneville 419, First State Bank of DeQueen De Queen 240, First National Bank of Lawrence County at Walnut Ridge Walnut Ridge 205, (0.14) Riverwind Bank Augusta 102, Farmers & Merchants Bank Stuttgart 1,098, (2.14) Legacy National Bank Springdale 505, Signature Bank of Arkansas Fayetteville 627, Arkansas County Bank De Witt 175, (2.95) Peoples Bank Magnolia 217, Security Bank Stephens 67, (1.11) FNBC Bank Ash Flat 451, River Town Bank Dardanelle 134, (0.20) 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 321,163 5, (0.01) 112, Bank of Little Rock Little Rock 201,112 (438) (0.03) 13, Priority Bank Fayetteville 85,128 1, , First Arkansas Bank and Trust Jacksonville 746,094 10, , Eagle Bank and Trust Company Little Rock 401,347 1, , Arvest Bank Fayetteville 18,455, , , Stone Bank Mountain View 340,911 1, , First Financial Bank El Dorado 1,021,455 25, , FBT Bank & Mortgage Fordyce 160,173 2, , First Service Bank Greenbrier 297,256 3, (0.01) 4, Farmers Bank Greenwood 202,809 2, , First National Bank of Crossett Crossett 153,526 2, , First National Bank at Paris Paris 155,416 3, (0.01) 2, First National Bank of Fort Smith Fort Smith 1,305,585 25, , Merchants & Planters Bank Newport 267,441 2, , Cornerstone Bank Eureka Springs 277,013 3, (0.04) 2, Simmons Bank Pine Bluff 16,258, , , First State Bank Crossett 34, Farmers Bank and Trust Company Blytheville 264,263 5, (0.02) 2, First National Bank of North Arkansas Berryville 195,271 2, , Bank of Cave City Cave City 110,209 1, , Community State Bank Bradley 15, Union Bank of Mena Mena 261,880 5, , Relyance Bank, National Association Pine Bluff 836,625 7, , First Western Bank Booneville 419,703 2, (0.15) 3, Integrity First Bank, National Association Mountain Home 498,570 5, , Union Bank & Trust Company Monticello 211,767 3, , First Community Bank Batesville 1,425,111 13, (0.02) 11, First National Bank Paragould 1,631,039 15, , Today's Bank Huntsville 232, , FNBC Bank Ash Flat 451,028 5, (0.01) 3, Peoples Bank Magnolia 217,224 2, (0.06) 1, First National Bank of Wynne Wynne 337,111 3, (0.01) 2, Southern Bancorp Bank Arkadelphia 1,323,792 12, (0.04) 9, Riverside Bank Sparkman 62,585 1, Bank of Salem Salem 134,230 2, , Bank of Gravett Gravette 129, First National Bank of Izard County Calico Rock 161,690 1, , Merchants and Farmers Bank Dumas 152,403 1, River Town Bank Dardanelle 134, Generations Bank Camden 496,211 3, , McGehee Bank McGehee 140,778 2, Signature Bank of Arkansas Fayetteville 627,505 4, (0.05) 4, First State Bank Russellville 257,758 3, , Centennial Bank Conway 14,897, , , Bank of Lake Village Lake Village 71, Citizens Bank & Trust Company Van Buren 394,865 6, , Citizens Bank Batesville 849,138 7, (0.02) 5, Cross County Bank Wynne 252,363 3, , First National Bank of Lawrence County at Walnut Ridge Walnut Ridge 205,216 3, , Bank of Star City Star City 94,524 1, (0.02) 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 81, Petit Jean State Bank Morrilton 185, Centennial Bank Conway 14,897, , Capital Bank Little Rock 158, Bank OZK Little Rock 22,086, , Bank of Bearden Bearden 55, First Security Bank Searcy 5,277, Peoples Bank Sheridan 155, RiverBank Pocahontas 88, Smackover State Bank Smackover 182, Fidelity National Bank West Memphis 381, Horatio State Bank Horatio 201, Citizens Bank & Trust Company Van Buren 394, Bank of Delight Delight 122, First National Bank Paragould 1,631, First State Bank Lonoke 269, Bodcaw Bank Stamps 84, Central Bank Little Rock 207, Armor Bank Forrest City 85, DeWitt Bank and Trust Company De Witt 99, Farmers Bank & Trust Company Magnolia 1,464, First National Bank of Eastern Arkansas Forrest City 404, First Delta Bank Marked Tree 68, Legacy National Bank Springdale 505, First National Bank of Fort Smith Fort Smith 1,305, Arkansas County Bank De Witt 175, Merchants & Planters Bank Clarendon 44, Warren Bank and Trust Company Warren 122, Anstaff Bank Green Forest 648, Piggott State Bank Piggott 84, First State Bank Russellville 257, Commercial Bank & Trust Company Monticello 217, Peoples Bank Magnolia 217, First NaturalState Bank McGehee 58, McGehee Bank McGehee 140, First State Bank of Warren Warren 109, Farmers Bank and Trust Company Blytheville 264, First National Bank of Wynne Wynne 337, Security Bank Stephens 67, First State Bank of DeQueen De Queen 240, Riverside Bank Sparkman 62, Diamond Bank Glenwood 589, Farmers & Merchants Bank Stuttgart 1,098, First National Bank of Lawrence County at Walnut Ridge Walnut Ridge 205, Simmons Bank Pine Bluff 16,258, , Chambers Bank Danville 814, First Community Bank Batesville 1,425, HNB Bank Helena 167, Malvern National Bank Malvern 532, Integrity First Bank, National Association Mountain Home 498, 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 State Bank Russellville 257, , (0.08) First National Bank of Eastern Arkansas Forrest City 404, , Riverside Bank Sparkman 62,585 54, First National Bank of Lawrence County at Walnut Ridge Walnut Ridge 205, , (0.03) Integrity First Bank, National Association Mountain Home 498, , Peoples Bank Sheridan 155,102 72, First Security Bank Searcy 5,277,567 2,458, First National Bank of Crossett Crossett 153, , (0.05) Community State Bank Bradley 15,777 10, Bank OZK Little Rock 22,086,539 16,725, Bank of Delight Delight 122, , RiverBank Pocahontas 88,989 78, Simmons Bank Pine Bluff 16,258,268 11,906, Fidelity National Bank West Memphis 381, , Centennial Bank Conway 14,897,457 10,832, Generations Bank Camden 496, , HNB Bank Helena 167,106 71, Bank of Star City Star City 94,524 69, Security Bank Stephens 67,543 56, First National Bank Paragould 1,631,039 1,349, First National Bank at Paris Paris 155, , Legacy National Bank Springdale 505, , (0.22) Bank of Bearden Bearden 55,876 27, First National Bank of Fort Smith Fort Smith 1,305, , Merchants and Farmers Bank Dumas 152, , First Service Bank Greenbrier 297, , Cross County Bank Wynne 252, , Capital Bank Little Rock 158,793 74, Smackover State Bank Smackover 182,958 65, Malvern National Bank Malvern 532, , (0.04) Relyance Bank, National Association Pine Bluff 836, , Riverwind Bank Augusta 102,074 70, First Western Bank Booneville 419, , United Bank Springdale 190, , Farmers & Merchants Bank Stuttgart 1,098, , Anstaff Bank Green Forest 648, , McGehee Bank McGehee 140, , Citizens Bank Batesville 849, , Signature Bank of Arkansas Fayetteville 627, , Piggott State Bank Piggott 84,835 42, First National Bank of Wynne Wynne 337, , Diamond Bank Glenwood 589, , Union Bank of Mena Mena 261, , Farmers Bank and Trust Company Blytheville 264, , First Delta Bank Marked Tree 68,121 25, (0.07) Petit Jean State Bank Morrilton 185,981 89, First State Bank of DeQueen De Queen 240, , Eagle Bank and Trust Company Little Rock 401, , Gateway Bank Rison 71,383 54, Farmers Bank & Trust Company Magnolia 1,464,580 1,135, Asset Quality Composite

14 Arkansas Return on Average Equity Ranking Rank Company Name City LTM Net Income 14 Employees LTM Net Income / Employee 2017Q3 LTM Net Income 2016Q3 LTM Net Income 1 Riverside Bank Sparkman 62,585 1, ,255 1, RiverBank Pocahontas 88,989 1, , First National Bank of Fort Smith Fort Smith 1,305,585 25, ,630 17, Union Bank of Mena Mena 261,880 5, ,601 4, First Financial Bank El Dorado 1,021,455 25, ,583 30, Bank of Salem Salem 134,230 2, ,644 1, Farmers Bank and Trust Company Blytheville 264,263 5, ,753 9, Horatio State Bank Horatio 201,236 3, ,736 2, First Security Bank Searcy 5,277, , , , Citizens Bank & Trust Company Van Buren 394,865 6, ,047 5, Priority Bank Fayetteville 85,128 1, ,228 1, First National Bank of Crossett Crossett 153,526 2, ,141 1, Bank OZK Little Rock 22,086, ,238 2, , , First State Bank of DeQueen De Queen 240,545 3, ,593 3, Farmers Bank & Trust Company Magnolia 1,464,580 18, ,270 20, Peoples Bank Sheridan 155,102 2, ,061 1, First Community Bank Batesville 1,425,111 13, ,274 10, Commercial Bank & Trust Company Monticello 217,567 2, ,788 2, Cornerstone Bank Eureka Springs 277,013 3, ,165 2, Bank of England England 321,163 5,661 1, ,877 8, Union Bank & Trust Company Monticello 211,767 3, ,073 2, FBT Bank & Mortgage Fordyce 160,173 2, ,027 1, Peoples Bank Magnolia 217,224 2, ,858 2, Arvest Bank Fayetteville 18,455, ,899 5, ,231 90, First National Bank Paragould 1,631,039 15, ,368 12, Centennial Bank Conway 14,897, ,089 1, , , Bank of Lake Village Lake Village 71, First National Bank of Lawrence County at Walnut Ridge Walnut Ridge 205,216 3, ,281 4, First State Bank Russellville 257,758 3, ,840 2, First National Bank at Paris Paris 155,416 3, ,410 2, Cross County Bank Wynne 252,363 3, ,175 2, Simmons Bank Pine Bluff 16,258, ,653 2, , , First Service Bank Greenbrier 297,256 3, ,719 2, FNBC Bank Ash Flat 451,028 5, ,586 3, Bank of Cave City Cave City 110,209 1, ,698 1, Petit Jean State Bank Morrilton 185,981 2, ,164 2, Bank of Bearden Bearden 55, First National Bank of North Arkansas Berryville 195,271 2, ,505 2, Integrity First Bank, National Association Mountain Home 498,570 5, ,066 3, Piggott State Bank Piggott 84,835 1, , Fidelity National Bank West Memphis 381,963 5, ,899 4, Anstaff Bank Green Forest 648,065 7, ,732 5, First Delta Bank Marked Tree 68, Legacy National Bank Springdale 505,510 4, ,471 3, Security Bank Stephens 67, Citizens Bank Batesville 849,138 7, ,592 5, First National Bank of Eastern Arkansas Forrest City 404,346 5, ,846 3, First National Bank of Wynne Wynne 337,111 3, ,721 2, Diamond Bank Glenwood 589,715 6, ,891 7, Southern Bancorp Bank Arkadelphia 1,323,792 12, ,348 8, ROAA ROAE

15 Arkansas Overall Ranking Rank Company Name City Net Interest Margin Rank 15 Noninterest Income Rank Overhead Rank 1 Riverside Bank Sparkman 62, First National Bank of Fort Smith Fort Smith 1,305, Centennial Bank Conway 14,897, Bank OZK Little Rock 22,086, First National Bank of Crossett Crossett 153, RiverBank Pocahontas 88, Simmons Bank Pine Bluff 16,258, First National Bank at Paris Paris 155, First State Bank Russellville 257, Farmers Bank and Trust Company Blytheville 264, Union Bank of Mena Mena 261, First Security Bank Searcy 5,277, Citizens Bank & Trust Company Van Buren 394, Peoples Bank Sheridan 155, First National Bank Paragould 1,631, First National Bank of Lawrence County at Walnut Ridge Walnut Ridge 205, First Service Bank Greenbrier 297, First Financial Bank El Dorado 1,021, Cross County Bank Wynne 252, Bank of Salem Salem 134, Integrity First Bank, National Association Mountain Home 498, Horatio State Bank Horatio 201, McGehee Bank McGehee 140, Cornerstone Bank Eureka Springs 277, Merchants and Farmers Bank Dumas 152, Legacy National Bank Springdale 505, First State Bank of DeQueen De Queen 240, First National Bank of Eastern Arkansas Forrest City 404, FBT Bank & Mortgage Fordyce 160, Bank of Star City Star City 94, First Community Bank Batesville 1,425, Community State Bank Bradley 15, Farmers Bank & Trust Company Magnolia 1,464, First National Bank of North Arkansas Berryville 195, Priority Bank Fayetteville 85, First National Bank of Wynne Wynne 337, Bank of Lake Village Lake Village 71, Peoples Bank Magnolia 217, Security Bank Stephens 67, Bank of Cave City Cave City 110, Generations Bank Camden 496, Anstaff Bank Green Forest 648, Bank of Delight Delight 122, Fidelity National Bank West Memphis 381, Relyance Bank, National Association Pine Bluff 836, First Western Bank Booneville 419, Union Bank & Trust Company Monticello 211, Petit Jean State Bank Morrilton 185, Bank of Bearden Bearden 55, Arvest Bank Fayetteville 18,455, Asset Quality Rank ROAE Rank Overall Rank

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