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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 1.07%, up 13 bps year over year; NIM at 3.34%.
  • 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 (YTD, annualized)

1.07%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+18 bps YoY

Efficiency Ratio (YTD, annualized)

60.93%-263 bps YoY

Tier 1 Leverage Ratio

15.20%-41 bps YoY

NIM

4.27%Q2 ’244.12%Q2 ’254.54%Q2 ’26+18%+6%

Non-interest income vs. expense

2.03%Q2 ’242.01%Q2 ’252.16%Q2 ’26+0%+8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.82%0.83%0.94%0.96%1.00%0.99%1.07%+13 bps
Return on Equity7.79%9.68%9.48%10.72%10.44%10.64%9.77%10.46%-26 bps
Net Interest Margin2.70%2.85%3.04%3.16%3.23%3.19%3.31%3.34%+18 bps
Efficiency Ratio70.93%65.03%66.95%63.56%63.41%62.22%63.47%60.93%-263 bps
Non-Interest Burden1.73%1.67%1.85%1.81%1.85%1.82%2.02%1.96%+14 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 / Loans0.00%0.00%0.00%0.00%0.00%0.02%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