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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Arkansas, the state note

Stone Bank

Mountain View, Arkansas · $951M in assets · beside the 11 other Arkansas banks between $300M and $1B

The filing

7.9%
Equity / assets
12th of 12
98.5%
Loans / deposits
9th of 12
1.04%
NPA / loans
9th of 12

Stone Bank is the third largest of the 12 Arkansas banks nearest its size between $300M and $1B, with $951M in assets at 30 June 2026. Loans are 98.5% of deposits, 9th of 12 against a median of 88.4%, and equity is 7.9% of assets, the lowest in the cohort. Loans grew +9.2% in the year, 5th of 12, and deposits grew 9.7%; the cohort's median loan growth is +8.7%.

Noncurrent loans are 1.04% of the book, 9th of 12 against a median of 0.70%; 0.15% is 30 to 89 days past due, and the allowance covers them 1.4 times. Net charge-offs are 0.25% of loans, 11th of 12. Commercial real estate is 21.0% of loans, 4th of 12 against a median of 29.6%, and 176% of capital, below the 300% screen, with construction at 56% against the 100% screen.

Return on assets is 1.61%, 4th of 12 against a median of 1.47%, on an efficiency ratio of 53.1%, 5th of 12. Five years ago it was 1.50%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsAR banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 9.9% FS First State Bank 16.4% CB CS Bank 11.9% UB Union Bank 11.3% FN First National Bank of Eastern Arkansas 10.9% CB Citizens Bank & Trust Co. 10.8% CB Cross Bank 10.5% MN Malvern National Bank 9.3% CB Central Bank 9.2% FW First Western Bank 8.8% DB Diamond Bank 8.7% FB FNBC Bank 8.1% SB Stone Bank 7.9%
Loans, year over yearAR banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +8.7% CB Central Bank +19.2% FW First Western Bank +13.5% FS First State Bank +12.7% CB CS Bank +9.4% SB Stone Bank +9.2% FB FNBC Bank +8.7% UB Union Bank +8.7% DB Diamond Bank +7.4% CB Cross Bank +5.3% FN First National Bank of Eastern Arkansas +4.8% MN Malvern National Bank +2.9% CB Citizens Bank & Trust Co. -1.2%

SBA 7(a), FY2008 to FY2026

Stone Bank is the 54th largest 7(a) lender into Florida of 528, with $131M across 164 loans, 0.5% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 76 of its 319 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Broward, FL$17M42nd of 2090.6%-0.2 pts
Orange, FL$15M37th of 2010.7%-1.1 pts
Miami-Dade, FL$14M51st of 2150.3%thin
Hillsborough, FL$13M43rd of 1950.6%-0.8 pts
Palm Beach, FL$11M48th of 1950.4%-0.8 pts
Orleans, LA$10M11th of 852.8%-1.8 pts
Escambia, FL$10M10th of 1002.8%quiet FY2021
Rapides, LA$9M3rd of 3912.6%quiet FY2018
Williamson, TN$8M14th of 1121.7%+0.2 pts
Bonneville, ID$8M7th of 464.9%+0.6 pts
Jefferson, AR$7M3rd of 2314.7%thin
Bexar, TX$7M68th of 2370.3%-0.1 pts
Harris, TX$7M122nd of 3140.1%-0.3 pts
306 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services65$107M20.3%0.14%134th of 2,596
Other services86$98M18.6%0.28%71st of 2,248
Retail trade79$62M11.7%0.10%157th of 2,589
Health care & social assistance59$39M7.4%0.08%154th of 2,172
Construction66$38M7.2%0.12%137th of 2,063
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Stone Bank
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans SB Stone Bank 0.5% $131M · 164 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Stone BankRankCohort median
Total CRE against capital, the 300% screen176%4th of 12198%
Construction against capital, the 100% screen56%4th of 1260%
Construction and land development, share of loans6.7%2nd of 128.9%
Non-owner-occupied nonfarm nonresidential, share of loans9.0%4th of 1213.7%
Total CRE, the guidance definition, share of loans21.0%4th of 1229.6%
CRE growth over 36 months, the third prong+20.6%5th of 12+37.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Diamond Bank$957M1.4%57.7%0.58%0.01%1.1%89.5%8.7%
Central Bank$955M1.1%34.5%4.76%0.66%1.4%110.4%9.2%
Stone Bank$951M1.6%53.1%1.04%0.25%1.4%98.5%7.9%
FNBC Bank$843M1.6%62.5%0.79%0.06%1.9%87.2%8.1%
First Western Bank$793M1.1%68.0%0.76%0.00%0.9%96.4%8.8%
Malvern National Bank$728M1.0%68.8%0.09%0.01%2.0%60.8%9.3%
Union Bank$710M2.4%51.3%0.26%0.06%1.5%77.7%11.3%
First State Bank$665M0.6%57.6%0.04%0.00%1.1%84.1%16.4%
CS Bank$628M2.1%57.4%1.37%0.12%1.7%109.1%11.9%
Cross Bank$593M1.9%41.9%2.47%0.01%1.8%99.5%10.5%
First National Bank of Eastern Arkansas$589M1.1%62.4%0.64%0.17%1.5%72.3%10.9%
Citizens Bank & Trust Co.$566M1.5%47.7%0.20%0.10%1.5%61.8%10.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Stone BankCohort median
20212026Change20212026Change
Loans$433M$746M+72%$288M$508M+77%
Deposits$449M$758M+69%$447M$641M+43%
NPA / loans0.97%1.04%+0.07 pts0.44%0.70%+0.26 pts
Efficiency49.2%53.1%+4.0 pts55.9%57.5%+1.6 pts
ROA1.50%1.61%+0.10 pts1.44%1.47%+0.02 pts

This read was prepared for Stone Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Stone Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort AR banks $300M to $1B
Institution www.stonebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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