First State Bank

Lonoke, ArkansasFDIC Cert #15050

STATEEstablished 19356 branches

Holding company: LONOKE BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$40.7M
Investor CRE	$32.4M
Multifamily	$11.7M
Construction	$19.3M
1–4 family	$78M
C&I	$19.9M
Agriculture	$31.4M
Other	$6.3M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$240M

+4.2%y/y

Percentile by value21st percentileby value

FDICLNLSGR

Net loans

$236M

+4.0%y/y

Percentile by value21st percentileby value

FDICLNLSNET

Loans YoY

+4.01%

−64.6%y/y

Percentile by value39th percentileby value

FDICLNLSNET

L/D

82.0%

−0.7%y/y

Percentile by value53rd percentileby value

FDICLNLSNET + DEP

Loans/assets

72.6%

−2.2%y/y

Percentile by value60th percentileby value

FDICLNLSNET + ASSET

RE loans %

87.94%

+0.7%y/y

Percentile by value58th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,796points

+10.5%y/y

Peer standing76th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

16.96%

−10.8%y/y

Percentile by value72nd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

13.50%

−5.9%y/y

Percentile by value50th percentileby value

FDICLNRENROT + LNLSGR

C&I %

8.30%

+7.2%y/y

Percentile by value43rd percentileby value

FDICLNCI + LNLSGR