West Union, IA · Cert 13816 · FNB Banshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 0.99% | 1.11% | 0.99% | 1.15% | +10 bps | |
| Return on Equity | 11.90% | 10.31% | 10.85% | 9.77% | 11.12% | -78 bps | |
| Net Interest Margin | 3.26% | 3.30% | 3.25% | 3.31% | 3.35% | +9 bps | |
| Efficiency Ratio | 60.35% | 63.11% | 58.73% | 63.47% | 58.38% | -197 bps | |
| Non-Interest Burden | 1.77% | 1.89% | 1.75% | 2.02% | 1.88% | +11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.05% | -5.33% | 2.58% | 1.99% | 2.74% | +379 bps | |
| Loan Growth (YoY) | 3.17% | 2.75% | 5.96% | 6.91% | 4.04% | +87 bps | |
| Deposit Growth (YoY) | 8.34% | -8.06% | -6.08% | -10.73% | -7.09% | -1,543 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.05% | 0.04% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.06% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.50% | 1.54% | 1.44% | 1.43% | 1.45% | -6 bps | |
| Allowance Coverage of NPLs | n/a | 30.4x | 33.4x | 467.0x | 467.0x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.60% | 15.91% | 15.11% | 14.89% | 15.20% | -41 bps | |
| Total Risk-Based Capital | 15.60% | 15.91% | 15.11% | 14.89% | 15.20% | -41 bps | |
| Equity / Assets | 8.80% | 10.40% | 10.10% | 10.22% | 10.43% | +163 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.27% | 70.40% | 72.65% | 76.22% | 75.33% | +806 bps | |
| Liquid Assets / Assets | 0.64% | 0.62% | 0.79% | 0.52% | 0.58% | -6 bps | |
| CRE / Total Capital | n/a | 48.72% | 54.47% | 55.28% | n/a | n/a | |