PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

FNB Community Bank

Midwest City, OK · Cert 16127 · First Midwest Acquisition Corp.

State charter, Fed member · FED · 7 branches

Q2 2026

$480.2MAssets
$304.2MLoans
$430.3MDeposits
$46.4MEquity
Loan mix
79%RE $221.6M14%C&I $39.9M6%Consumer $18.1MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $307.6M29%Noninterest $122.7MQ2 2025Q2 2026

NIM

4.12%Q2 ’244.32%Q2 ’254.49%Q2 ’26+12%+12%

Non-interest income vs. expense

2.83%Q2 ’242.97%Q2 ’253.24%Q2 ’26+13%+6%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.7% share · #25 of 71 inst. · $0.4B of $60.8B

0.9% Oklahoma
0.3% Cleveland

Executive Summary

  • Earnings: ROA of 0.99%, up 34 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 2.35% of loans (-69 bps YoY), with net charge-offs at 0.69%.
  • Capital: tier 1 leverage ratio of 10.54%, unchanged from a year ago.
  • Funding: loans stand at 70.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.99%+34 bps YoY

Net Interest Margin (quarter, annualized)

3.75%+41 bps YoY

Efficiency Ratio (quarter, annualized)

74.29%-323 bps YoY

Tier 1 Leverage Ratio

10.54%0 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.58%0.54%0.79%0.99%+34 bps
Return on Equity7.32%6.26%5.68%8.31%10.37%+304 bps
Net Interest Margin3.35%3.37%3.39%3.45%3.75%+41 bps
Efficiency Ratio77.51%74.76%77.55%76.61%74.29%-323 bps
Non-Interest Burden2.48%2.33%2.51%2.52%2.63%+15 bps
Growth
Asset Growth (YoY)-6.84%1.68%6.27%2.89%1.28%+811 bps
Loan Growth (YoY)-3.63%-4.26%1.25%5.90%14.00%+1,763 bps
Deposit Growth (YoY)2.42%5.80%5.70%2.04%0.44%-198 bps
Asset Quality
Nonperforming Loans / Loans3.04%3.32%3.38%2.67%2.35%-69 bps
Net Charge-Offs / Loans0.01%0.03%-0.02%0.00%0.69%+68 bps
Allowance / Loans2.18%2.16%2.12%2.11%1.84%-34 bps
Allowance Coverage of NPLs0.7x0.7x0.6x0.8x0.8x+0.1x
Capital
Tier 1 Leverage Ratio10.54%10.64%10.72%10.48%10.54%0 bps
Total Risk-Based Capital19.33%19.10%18.43%18.61%17.35%-198 bps
Equity / Assets8.98%9.47%9.54%9.39%9.67%+68 bps
Liquidity & Funding
Loans / Deposits62.30%64.13%66.03%64.13%70.71%+841 bps
Liquid Assets / Assets7.10%6.44%5.47%7.87%1.56%-554 bps
CRE / Total Capitaln/a292%315%313%n/an/a