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First Bank

Creve Coeur, MO · Cert 12229 · FB Corp.

State charter, Fed member · FED · 76 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

43

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

2

Q2 2024Q2 2026peer median

Efficiency

15

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Bank

Creve Coeur, MO · Cert 12229 · FB Corp.

State charter, Fed member · FED · 76 branches

Q2 2026

$6.7BAssets
$4.3BLoans
$5.8BDeposits
$561.2MEquity
Loan mix
78%RE $3.0B21%C&I $0.8B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $4.4B25%Noninterest $1.4BQ2 2025Q2 2026

NIM

4.42%Q2 ’244.46%Q2 ’254.52%Q2 ’26+17%+13%

Non-interest income vs. expense

2.59%Q2 ’242.72%Q2 ’252.72%Q2 ’26+10%-5%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 2.0% share · #11 of 111 inst. · $2.8B of $141.7B

4.7% St. Louis
0.3% Los Angeles
0.4% Orange
2.8% St. Charles

Executive Summary

  • Earnings: ROA of 0.66%, up 29 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.27% of loans (-6 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 9.67%, up 66 bps from a year ago.
  • Funding: loans stand at 73.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.66%+29 bps YoY

Net Interest Margin (YTD, annualized)

2.85%+33 bps YoY

Efficiency Ratio (YTD, annualized)

73.69%-994 bps YoY

Tier 1 Leverage Ratio

9.67%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.46%0.51%0.63%0.66%+29 bps
Return on Equity4.95%6.12%6.65%7.80%8.03%+309 bps
Net Interest Margin2.52%2.63%2.68%2.80%2.85%+33 bps
Efficiency Ratio83.63%80.61%79.27%73.51%73.69%-994 bps
Non-Interest Burden1.98%1.97%1.97%1.82%1.88%-11 bps
Growth
Asset Growth (YoY)-0.92%0.09%0.33%1.85%1.84%+276 bps
Loan Growth (YoY)4.02%6.55%6.14%9.43%7.83%+382 bps
Deposit Growth (YoY)3.79%0.63%0.71%1.14%-1.12%-492 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.38%0.24%0.24%0.27%-6 bps
Net Charge-Offs / Loans0.19%0.16%0.14%0.16%0.17%-2 bps
Allowance / Loans1.01%1.02%1.03%1.02%1.02%+1 bps
Allowance Coverage of NPLs3.1x2.7x4.3x4.3x3.8x+0.7x
Capital
Tier 1 Leverage Ratio9.01%9.17%9.36%9.48%9.67%+66 bps
Total Risk-Based Capital13.86%13.90%14.07%13.79%13.98%+12 bps
Equity / Assets7.63%7.88%8.05%8.16%8.43%+80 bps
Liquidity & Funding
Loans / Deposits66.95%68.55%67.47%71.40%73.02%+607 bps
Liquid Assets / Assets17.88%16.61%17.37%15.04%15.19%-269 bps
CRE / Total Capitaln/a293%292%293%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Bank

Creve Coeur, MO · Cert 12229 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · FB Corp.

State charter, Fed member · FED · 76 branches

Q2 2026

$6.7BAssets
$4.3BLoans
$5.8BDeposits
$561.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 80% of banks $1B-$10B in assets operating regionally (rank 37 of 176).
  • Widest gap: net interest margin trails 91% of banks $1B-$10B in assets operating regionally (rank 161 of 176).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.66%

Rank 157 of 176

Net Interest Margin

2.85%

Rank 161 of 176

Efficiency Ratio

73.69%

Rank 150 of 176

Equity / Assets

8.43%

Rank 152 of 176

Non-interest income vs. expense

$56.9M$183.5MINCOMEEXPENSE
Unfavorable gap of $126.6M · efficiency ratio beats 15% of banks $1B-$10B in assets operating regionally
Bank 73.69%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.66%0.93%1.26%1.54%Beats 11%157 / 176
Return on Equity7.84%9.26%11.89%14.46%Beats 14%151 / 176
Net Interest Margin2.85%3.25%3.59%3.93%Beats 9%161 / 176
Efficiency Ratio73.69%52.79%59.55%67.66%Beats 15%150 / 176
Asset Quality
Nonperforming Loans / Loans0.27%0.30%0.64%1.32%Beats 80%37 / 176
Net Charge-Offs / Loans0.09%0.01%0.04%0.10%Beats 31%124 / 176
Capital
Tier 1 Capital Ratio13.06%11.15%12.72%14.15%Beats 57%75 / 176
Total Risk-Based Capital Ratio13.98%11.81%13.63%15.33%Beats 57%76 / 176
Equity / Assets8.43%9.16%10.35%11.80%Beats 14%152 / 176
Liquidity & Funding
Loans / Deposits73.02%80.94%89.73%97.21%10th pctl158 / 176
Loans / Assets63.97%69.25%75.12%80.82%13th pctl154 / 176
Brokered Deposits / Depositsn/aNot reported for this institution