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Letter portraitLegal landscapeQuarterYTD

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