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FNB Bank

Goodland, KS · Cert 14420 · First Natl Bancshares Profit Sharing&Employee STK Ownership PLAN&TR

State charter, non-member · FDIC · 5 branches

Q2 2026

$270.3MAssets
$180.9MLoans
$235.0MDeposits
$23.8MEquity
Loan mix
89%RE $127.5M10%C&I $14.2M1%Consumer $1.6MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $185.7M21%Noninterest $49.2MQ2 2025Q2 2026

NIM

5.04%Q2 ’245.51%Q2 ’255.41%Q2 ’26+18%+1%

Non-interest income vs. expense

3.09%Q2 ’243.32%Q2 ’253.24%Q2 ’26+10%-3%

Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.0% share · #53 of 68 inst. · $0.1B of $113.6B

27.2% Sherman
0.9% Adams
34.7% Cheyenne
24.0% Decatur

Executive Summary

  • Earnings: ROA of 1.06%, up 41 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 4.03% of loans (+114 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.21%, down 77 bps from a year ago.
  • Funding: loans stand at 76.99% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.06%+41 bps YoY

Net Interest Margin (quarter, annualized)

4.17%+5 bps YoY

Efficiency Ratio (quarter, annualized)

72.25%-286 bps YoY

Tier 1 Leverage Ratio

10.21%-77 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.95%-0.08%0.97%1.06%+41 bps
Return on Equity7.32%10.40%-0.85%11.97%12.71%+539 bps
Net Interest Margin4.12%4.06%3.97%4.35%4.17%+5 bps
Efficiency Ratio75.11%74.02%71.88%69.76%72.25%-286 bps
Non-Interest Burden3.02%2.92%2.74%2.95%2.93%-9 bps
Growth
Asset Growth (YoY)-0.35%-0.12%5.42%13.95%3.83%+419 bps
Loan Growth (YoY)7.28%8.85%8.09%4.71%-4.34%-1,162 bps
Deposit Growth (YoY)-1.83%1.56%4.37%15.76%11.24%+1,306 bps
Asset Quality
Nonperforming Loans / Loans2.89%3.76%6.11%5.25%4.03%+114 bps
Net Charge-Offs / Loans0.12%0.00%0.43%0.13%0.00%-12 bps
Allowance / Loans1.45%1.46%1.79%1.86%1.91%+46 bps
Allowance Coverage of NPLs0.5x0.4x0.3x0.4x0.5x0.0x
Capital
Tier 1 Leverage Ratio10.99%11.04%10.06%9.93%10.21%-77 bps
Total Risk-Based Capital14.95%15.30%13.71%14.62%15.46%+51 bps
Equity / Assets8.84%9.48%8.24%7.89%8.80%-4 bps
Liquidity & Funding
Loans / Deposits89.53%86.64%80.34%73.65%76.99%-1,254 bps
Liquid Assets / Assets1.22%1.42%1.82%8.04%2.02%+80 bps
CRE / Total Capitaln/a137.12%154.54%152.95%n/an/a