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First National Bank in Fredonia

Fredonia, KS · Cert 13798 · First Natl Bancshares Fredonia

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

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 under $1B in assets in KS (n=98). 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

25

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

48

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 National Bank in Fredonia

Fredonia, KS · Cert 13798 · First Natl Bancshares Fredonia

National charter · OCC · 1 branch

Q2 2026

$104.4MAssets
$30.3MLoans
$92.5MDeposits
$11.8MEquity
Loan mix
57%RE $15.4M22%C&I $6.0M21%Consumer $5.8MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $70.7M24%Noninterest $21.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.13%, up 1 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.63% of loans (-7 bps YoY), with net recoveries of 0.47%.
  • Capital: tier 1 leverage ratio of 16.73%, down 7 bps from a year ago.
  • Funding: loans stand at 32.78% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.13%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.01%+1 bps YoY

Efficiency Ratio (YTD, annualized)

59.23%-81 bps YoY

Tier 1 Leverage Ratio

16.73%-7 bps YoY

NIM

4.17%Q2 ’243.93%Q2 ’253.95%Q2 ’26-7%+0%

Non-interest income vs. expense

2.19%Q2 ’242.00%Q2 ’251.99%Q2 ’26-10%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%0.93%1.07%1.11%1.14%1.02%1.06%1.13%+1 bps
Return on Equity10.86%9.54%10.79%10.93%10.75%9.47%9.41%9.99%-94 bps
Net Interest Margin3.01%2.99%3.18%3.00%3.04%3.02%3.02%3.01%+1 bps
Efficiency Ratio60.51%65.72%61.15%60.05%58.93%62.88%61.39%59.23%-81 bps
Non-Interest Burden1.69%1.86%1.79%1.66%1.66%1.78%1.72%1.64%-2 bps
Growth
Asset Growth (YoY)15.96%-0.79%3.52%1.26%-0.58%6.89%3.66%6.90%+565 bps
Loan Growth (YoY)4.02%1.26%-3.38%-8.12%-9.78%-2.59%1.85%1.85%+997 bps
Deposit Growth (YoY)11.99%-0.64%1.97%0.23%-1.35%4.37%2.99%6.34%+612 bps
Asset Quality
Nonperforming Loans / Loans0.63%0.62%0.63%0.69%0.43%1.02%0.75%0.63%-7 bps
Net Charge-Offs / Loans-0.02%-0.08%-0.13%0.30%0.72%0.44%-1.10%-0.47%-76 bps
Allowance / Loans2.84%3.01%3.18%3.08%2.74%2.70%2.96%2.96%-12 bps
Allowance Coverage of NPLs4.5x4.9x5.0x4.5x6.4x2.6x3.9x4.7x+0.3x
Capital
Tier 1 Leverage Ratio16.71%16.38%18.04%16.79%16.86%16.53%16.52%16.73%-7 bps
Total Risk-Based Capital16.71%16.38%18.04%16.79%16.86%16.53%16.52%16.73%-7 bps
Equity / Assets11.24%9.11%10.64%10.79%12.00%11.29%11.28%11.26%+48 bps
Liquidity & Funding
Loans / Deposits36.87%35.18%34.77%34.22%33.72%32.83%34.38%32.78%-145 bps
Liquid Assets / Assets8.18%10.41%7.19%5.56%6.62%10.97%5.03%7.96%+240 bps
CRE / Total Capitaln/an/an/an/a18.45%18.48%18.72%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 National Bank in Fredonia

Fredonia, KS · Cert 13798 · Peer group: banks under $1B in assets in KS (n=98) · First Natl Bancshares Fredonia

National charter · OCC · 1 branch

Q2 2026

$104.4MAssets
$30.3MLoans
$92.5MDeposits
$11.8MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 72% of banks under $1B in assets in KS (rank 27 of 98).
  • Widest gap: net interest margin trails 91% of banks under $1B in assets in KS (rank 89 of 98).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.12%

Rank 63 of 98

Net Interest Margin

3.01%

Rank 89 of 98

Efficiency Ratio

59.23%

Rank 52 of 98

Equity / Assets

11.26%

Rank 51 of 98

Non-interest income vs. expense

$0.4M$2.2MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 48% of banks under $1B in assets in KS
Bank 59.23%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.12%1.03%1.24%1.54%Beats 36%63 / 98
Return on Equity9.93%8.85%11.58%14.73%Beats 36%63 / 98
Net Interest Margin3.01%3.24%3.62%3.91%Beats 9%89 / 98
Efficiency Ratio59.23%51.87%58.88%64.74%Beats 48%52 / 98
Asset Quality
Nonperforming Loans / Loans0.63%0.01%0.33%1.05%Beats 36%64 / 98
Net Charge-Offs / Loans0.10%n/a0.00%0.03%Beats 13%86 / 98
Capital
Tier 1 Capital Ratio16.73%11.81%13.71%17.33%Beats 72%27 / 98
Total Risk-Based Capital Ratio16.73%11.81%14.13%17.45%Beats 65%34 / 98
Equity / Assets11.26%8.60%11.34%13.10%Beats 48%51 / 98
Liquidity & Funding
Loans / Deposits32.78%57.09%69.84%82.47%2nd pctl96 / 98
Loans / Assets29.03%49.34%58.31%68.94%2nd pctl96 / 98
Brokered Deposits / Depositsn/aNot reported for this institution