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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 $5.8MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $70.7M24%Noninterest $21.8MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.14%1.02%1.06%1.13%+1 bps
Return on Equity10.93%10.75%9.47%9.41%9.99%-94 bps
Net Interest Margin3.00%3.04%3.02%3.02%3.01%+1 bps
Efficiency Ratio60.05%58.93%62.88%61.39%59.23%-81 bps
Non-Interest Burden1.66%1.66%1.78%1.72%1.64%-2 bps
Growth
Asset Growth (YoY)1.26%-0.58%6.89%3.66%6.90%+565 bps
Loan Growth (YoY)-8.12%-9.78%-2.59%1.85%1.85%+997 bps
Deposit Growth (YoY)0.23%-1.35%4.37%2.99%6.34%+612 bps
Asset Quality
Nonperforming Loans / Loans0.69%0.43%1.02%0.75%0.63%-7 bps
Net Charge-Offs / Loans0.30%0.72%0.44%-1.10%-0.47%-76 bps
Allowance / Loans3.08%2.74%2.70%2.96%2.96%-12 bps
Allowance Coverage of NPLs4.5x6.4x2.6x3.9x4.7x+0.3x
Capital
Tier 1 Leverage Ratio16.79%16.86%16.53%16.52%16.73%-7 bps
Total Risk-Based Capital16.79%16.86%16.53%16.52%16.73%-7 bps
Equity / Assets10.79%12.00%11.29%11.28%11.26%+48 bps
Liquidity & Funding
Loans / Deposits34.22%33.72%32.83%34.38%32.78%-145 bps
Liquid Assets / Assets5.56%6.62%10.97%5.03%7.96%+240 bps
CRE / Total Capitaln/a18.45%18.48%18.72%n/an/a