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FCNB Bank

Steelville, MO · Cert 1639 · Steelville Cmty Banc-Shares

State charter, Fed member · FED · 6 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 MO3

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 MO (n=82 to 83). 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

9

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

7

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

FCNB Bank

Steelville, MO · Cert 1639 · Steelville Cmty Banc-Shares

State charter, Fed member · FED · 6 branches

Q2 2026

$220.4MAssets
$141.8MLoans
$196.0MDeposits
$11.0MEquity
Loan mix
82%RE $107.4M14%C&I $18.8M4%Consumer $5.4MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $123.4M37%Noninterest $72.6MQ2 2025Q2 2026

NIM

4.79%Q2 ’244.83%Q2 ’255.08%Q2 ’26+2%+10%

Non-interest income vs. expense

4.27%Q2 ’244.03%Q2 ’254.03%Q2 ’26-15%+0%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #92 of 111 inst. · $0.0B of $141.7B

26.1% Crawford
0.7% Franklin
1.7% Phelps
0.0% St. Louis

Executive Summary

  • Earnings: ROA of 0.53%, up 9 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.00% of loans (-12 bps YoY), with net charge-offs at 0.19%.
  • Capital: tier 1 leverage ratio of 8.06%, up 43 bps from a year ago.
  • Funding: loans stand at 72.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.53%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+30 bps YoY

Efficiency Ratio (YTD, annualized)

81.68%-524 bps YoY

Tier 1 Leverage Ratio

8.06%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.37%0.37%0.44%0.53%+9 bps
Return on Equity12.75%9.92%9.14%9.02%10.73%-202 bps
Net Interest Margin3.05%3.07%3.12%3.24%3.35%+30 bps
Efficiency Ratio86.92%88.35%88.44%85.70%81.68%-524 bps
Non-Interest Burden2.44%2.54%2.59%2.57%2.44%0 bps
Growth
Asset Growth (YoY)5.15%7.22%8.43%6.53%6.79%+165 bps
Loan Growth (YoY)9.26%12.13%12.42%12.50%16.11%+686 bps
Deposit Growth (YoY)9.49%12.58%11.94%6.61%6.90%-259 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.03%0.02%0.00%0.00%-12 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.04%0.19%+19 bps
Allowance / Loans1.00%1.00%1.00%1.00%1.00%0 bps
Allowance Coverage of NPLs8.3x29.9x59.1xn/an/an/a
Capital
Tier 1 Leverage Ratio7.63%7.97%8.08%7.97%8.06%+43 bps
Total Risk-Based Capital10.58%11.15%11.19%11.03%10.94%+36 bps
Equity / Assets3.67%4.69%5.04%4.81%4.97%+130 bps
Liquidity & Funding
Loans / Deposits66.59%67.42%70.20%70.34%72.33%+574 bps
Liquid Assets / Assets5.36%5.99%2.20%3.88%3.04%-232 bps
CRE / Total Capitaln/a270%277%287%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

FCNB Bank

Steelville, MO · Cert 1639 · Peer group: banks under $1B in assets in MO (n=82-83) · Steelville Cmty Banc-Shares

State charter, Fed member · FED · 6 branches

Q2 2026

$220.4MAssets
$141.8MLoans
$196.0MDeposits
$11.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MO (rank 10 of 82).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in MO (rank 83 of 83).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.52%

Rank 78 of 83

Net Interest Margin

3.35%

Rank 63 of 83

Efficiency Ratio

81.68%

Rank 78 of 83

Equity / Assets

4.97%

Rank 83 of 83

Non-interest income vs. expense

$3.5M$8.7MINCOMEEXPENSE
Unfavorable gap of $5.3M · efficiency ratio beats 7% of banks under $1B in assets in MO
Bank 81.68%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.52%0.96%1.32%1.75%Beats 6%78 / 83
Return on Equity10.40%9.66%12.96%15.76%Beats 29%59 / 83
Net Interest Margin3.35%3.35%3.85%4.16%Beats 24%63 / 83
Efficiency Ratio81.68%49.83%58.83%68.51%Beats 7%78 / 83
Asset Quality
Nonperforming Loans / Loans0.00%0.08%0.51%1.01%Beats 100%10 / 82
Net Charge-Offs / Loans0.10%0.00%0.01%0.06%Beats 15%71 / 82
Capital
Tier 1 Capital Ratio10.11%11.01%12.49%14.98%Beats 11%74 / 83
Total Risk-Based Capital Ratio10.94%11.13%13.01%15.10%Beats 17%69 / 83
Equity / Assets4.97%8.83%10.71%13.29%Beats 0%83 / 83
Liquidity & Funding
Loans / Deposits72.33%69.28%83.22%91.21%28th pctl59 / 82
Loans / Assets64.31%59.34%71.15%78.36%33rd pctl56 / 83
Brokered Deposits / Depositsn/aNot reported for this institution