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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 $3.2MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $76.8M21%Noninterest $20.9MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.02%0.96%1.04%1.14%+14 bps
Return on Equity8.92%8.93%8.36%8.86%9.64%+72 bps
Net Interest Margin3.39%3.52%3.53%3.65%3.78%+39 bps
Efficiency Ratio65.39%65.11%64.97%67.39%65.24%-15 bps
Non-Interest Burden1.99%2.04%2.04%2.20%2.23%+24 bps
Growth
Asset Growth (YoY)0.65%-0.97%-0.05%2.86%-0.03%-68 bps
Loan Growth (YoY)4.98%5.01%7.96%9.48%4.03%-95 bps
Deposit Growth (YoY)0.56%-1.03%-0.63%2.60%-0.58%-114 bps
Asset Quality
Nonperforming Loans / Loans1.37%1.70%1.29%1.33%1.32%-5 bps
Net Charge-Offs / Loans0.00%0.00%0.01%-0.01%0.01%+1 bps
Allowance / Loans1.16%1.18%1.30%1.34%1.32%+17 bps
Allowance Coverage of NPLs0.8x0.7x1.0x1.0x1.0x+0.2x
Capital
Tier 1 Leverage Ratio9.16%9.42%9.29%9.24%9.40%+24 bps
Total Risk-Based Capital13.95%14.03%13.48%13.74%14.06%+11 bps
Equity / Assets11.65%12.04%11.90%11.53%12.13%+48 bps
Liquidity & Funding
Loans / Deposits74.51%77.08%78.73%73.38%77.96%+345 bps
Liquid Assets / Assets4.67%4.96%4.78%4.11%3.70%-97 bps
CRE / Total Capitaln/a144.34%136.00%147.10%n/an/a