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First Community Bank

Newell, IA · Cert 14904 · Newell Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IA (n=134 to 135). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

52

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

87

Q2 2024Q2 2026peer median

Efficiency

19

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Community Bank

Newell, IA · Cert 14904 · Newell Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$115.7MAssets
$76.2MLoans
$97.8MDeposits
$14.0MEquity
Loan mix
91%RE $62.7M4%C&I $3.0M5%Consumer $3.2MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $76.8M21%Noninterest $20.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.14%, up 14 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 1.32% of loans (-5 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.40%, up 24 bps from a year ago.
  • Funding: loans stand at 77.96% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.14%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+39 bps YoY

Efficiency Ratio (YTD, annualized)

65.24%-15 bps YoY

Tier 1 Leverage Ratio

9.40%+24 bps YoY

NIM

4.49%Q2 ’244.62%Q2 ’254.88%Q2 ’26+6%+11%

Non-interest income vs. expense

2.69%Q2 ’242.69%Q2 ’252.93%Q2 ’26-4%+12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.70%1.03%1.00%1.02%0.96%1.04%1.14%+14 bps
Return on Equity7.37%6.71%9.33%8.92%8.93%8.36%8.86%9.64%+72 bps
Net Interest Margin3.22%3.18%3.21%3.39%3.52%3.53%3.65%3.78%+39 bps
Efficiency Ratio68.56%68.36%64.44%65.39%65.11%64.97%67.39%65.24%-15 bps
Non-Interest Burden2.00%1.97%1.78%1.99%2.04%2.04%2.20%2.23%+24 bps
Growth
Asset Growth (YoY)0.64%-3.00%-1.16%0.65%-0.97%-0.05%2.86%-0.03%-68 bps
Loan Growth (YoY)12.21%6.92%-1.83%4.98%5.01%7.96%9.48%4.03%-95 bps
Deposit Growth (YoY)2.16%-4.44%-1.72%0.56%-1.03%-0.63%2.60%-0.58%-114 bps
Asset Quality
Nonperforming Loans / Loans1.42%1.40%1.46%1.37%1.70%1.29%1.33%1.32%-5 bps
Net Charge-Offs / Loans0.02%0.01%0.00%0.00%0.00%0.01%-0.01%0.01%+1 bps
Allowance / Loans0.94%1.14%1.21%1.16%1.18%1.30%1.34%1.32%+17 bps
Allowance Coverage of NPLs0.7x0.8x0.8x0.8x0.7x1.0x1.0x1.0x+0.2x
Capital
Tier 1 Leverage Ratio9.14%8.88%8.95%9.16%9.42%9.29%9.24%9.40%+24 bps
Total Risk-Based Capital13.89%13.58%13.90%13.95%14.03%13.48%13.74%14.06%+11 bps
Equity / Assets11.20%10.85%11.18%11.65%12.04%11.90%11.53%12.13%+48 bps
Liquidity & Funding
Loans / Deposits72.65%72.46%68.77%74.51%77.08%78.73%73.38%77.96%+345 bps
Liquid Assets / Assets6.43%6.03%4.98%4.67%4.96%4.78%4.11%3.70%-97 bps
CRE / Total Capitaln/an/an/an/a144.34%136.00%147.10%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Community Bank

Newell, IA · Cert 14904 · Peer group: banks under $1B in assets in IA (n=134-135) · Newell Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$115.7MAssets
$76.2MLoans
$97.8MDeposits
$14.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 78% of banks under $1B in assets in IA (rank 30 of 135).
  • Widest gap: efficiency ratio trails 81% of banks under $1B in assets in IA (rank 111 of 135).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.16%

Rank 72 of 135

Net Interest Margin

3.78%

Rank 30 of 135

Efficiency Ratio

67.22%

Rank 111 of 135

Equity / Assets

12.13%

Rank 49 of 135

Non-interest income vs. expense

$0.8M$3.5MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 19% of banks under $1B in assets in IA
Bank 67.22%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.16%0.92%1.19%1.47%Beats 47%72 / 135
Return on Equity9.59%7.99%10.26%13.14%Beats 41%79 / 135
Net Interest Margin3.78%2.95%3.41%3.73%Beats 78%30 / 135
Efficiency Ratio67.22%50.61%57.35%63.29%Beats 19%111 / 135
Asset Quality
Nonperforming Loans / Loans1.32%0.03%0.51%1.26%Beats 24%103 / 134
Net Charge-Offs / Loans0.01%n/a0.01%0.03%Beats 43%77 / 134
Capital
Tier 1 Capital Ratio12.86%11.23%13.31%15.45%Beats 43%77 / 135
Total Risk-Based Capital Ratio14.06%11.61%14.06%16.47%Beats 50%67 / 135
Equity / Assets12.13%9.87%11.05%13.07%Beats 64%49 / 135
Liquidity & Funding
Loans / Deposits77.96%68.54%81.55%91.24%43rd pctl76 / 134
Loans / Assets65.84%57.61%68.06%76.23%46th pctl73 / 135
Brokered Deposits / Depositsn/aNot reported for this institution