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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 $3.2MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $76.8M21%Noninterest $20.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.23%, up 26 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 1.32% of loans (-5 bps YoY), with net charge-offs at 0.03%.
  • 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 (quarter, annualized)

1.23%+26 bps YoY

Net Interest Margin (quarter, annualized)

3.87%+34 bps YoY

Efficiency Ratio (quarter, annualized)

63.08%-327 bps YoY

Tier 1 Leverage Ratio

9.40%+24 bps YoY

NIM

4.55%Q2 ’244.75%Q2 ’254.96%Q2 ’26+9%+9%

Non-interest income vs. expense

2.64%Q2 ’242.72%Q2 ’252.83%Q2 ’26+4%+3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.51%1.03%0.97%1.06%0.79%1.04%1.23%+26 bps
Return on Equity7.67%4.66%9.33%8.52%8.92%6.61%8.86%10.43%+191 bps
Net Interest Margin3.13%3.25%3.21%3.54%3.66%3.72%3.65%3.87%+34 bps
Efficiency Ratio65.59%67.76%64.44%66.35%64.58%64.57%67.39%63.08%-327 bps
Non-Interest Burden1.80%1.99%1.78%2.18%2.06%2.16%2.20%2.24%+6 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 / Loans0.00%0.00%0.00%-0.01%-0.01%0.04%-0.01%0.03%+3 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