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Bank 1st

West Union, IA · Cert 13816 · FNB Banshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$166.1MAssets
$96.9MLoans
$128.6MDeposits
$17.3MEquity
Loan mix
87%RE $64.5M10%C&I $7.3M3%Consumer $2.0MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $106.0M18%Noninterest $22.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.15%, up 10 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.20%, down 41 bps from a year ago.
  • Funding: loans stand at 75.33% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.15%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.35%+9 bps YoY

Efficiency Ratio (quarter, annualized)

58.38%-197 bps YoY

Tier 1 Leverage Ratio

15.20%-41 bps YoY

NIM

4.28%Q2 ’244.18%Q2 ’254.57%Q2 ’26+19%+3%

Non-interest income vs. expense

2.01%Q2 ’241.97%Q2 ’252.07%Q2 ’26-1%+6%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%1.30%0.83%1.05%0.99%1.11%0.99%1.15%+10 bps
Return on Equity7.38%14.56%9.48%11.90%10.31%10.85%9.77%11.12%-78 bps
Net Interest Margin2.73%3.08%3.04%3.26%3.30%3.25%3.31%3.35%+9 bps
Efficiency Ratio72.55%48.97%66.95%60.35%63.11%58.73%63.47%58.38%-197 bps
Non-Interest Burden1.79%1.32%1.85%1.77%1.89%1.75%2.02%1.88%+11 bps
Growth
Asset Growth (YoY)2.97%-4.39%-3.27%-1.05%-5.33%2.58%1.99%2.74%+379 bps
Loan Growth (YoY)1.51%1.21%1.31%3.17%2.75%5.96%6.91%4.04%+87 bps
Deposit Growth (YoY)9.12%10.38%13.19%8.34%-8.06%-6.08%-10.73%-7.09%-1,543 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.05%0.04%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%0.06%0.00%0.00%0 bps
Allowance / Loans1.62%1.54%1.52%1.50%1.54%1.44%1.43%1.45%-6 bps
Allowance Coverage of NPLsn/an/an/an/a30.4x33.4x467.0x467.0xn/a
Capital
Tier 1 Leverage Ratio14.64%15.20%15.30%15.60%15.91%15.11%14.89%15.20%-41 bps
Total Risk-Based Capital14.64%15.20%15.30%15.60%15.91%15.11%14.89%15.20%-41 bps
Equity / Assets9.15%8.75%8.77%8.80%10.40%10.10%10.22%10.43%+163 bps
Liquidity & Funding
Loans / Deposits62.99%64.40%63.64%67.27%70.40%72.65%76.22%75.33%+806 bps
Liquid Assets / Assets4.32%0.19%3.34%0.64%0.62%0.79%0.52%0.58%-6 bps
CRE / Total Capitaln/an/an/an/a48.72%54.47%55.28%n/an/a