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Community 1st Bank Las Vegas

Las Vegas, NM · Cert 16854 · FNB Financial Corp.

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 operating in a single state3

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 operating in a single state (n=748 to 752). 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

88

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 2026-10-10

Community 1st Bank Las Vegas

Las Vegas, NM · Cert 16854 · FNB Financial Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$293.9MAssets
$106.7MLoans
$265.8MDeposits
$27.0MEquity
Loan mix
82%RE $74.9M15%C&I $13.7M3%Consumer $2.9MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $187.3M30%Noninterest $78.5MQ2 2025Q2 2026

NIM

4.05%Q2 ’244.28%Q2 ’254.49%Q2 ’26+5%+6%

Non-interest income vs. expense

2.10%Q2 ’242.04%Q2 ’252.02%Q2 ’26-25%+21%

Executive Summary

  • Earnings: ROA of 1.66%, down 11 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.03% of loans (+3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.02%, up 151 bps from a year ago.
  • Funding: loans stand at 40.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.66%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+23 bps YoY

Efficiency Ratio (YTD, annualized)

48.49%+67 bps YoY

Tier 1 Leverage Ratio

10.02%+151 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%1.76%1.73%1.63%1.66%-11 bps
Return on Equity25.53%23.70%22.50%18.56%18.69%-684 bps
Net Interest Margin3.64%3.73%3.77%3.90%3.87%+23 bps
Efficiency Ratio47.82%47.61%41.97%50.05%48.49%+67 bps
Non-Interest Burden1.42%1.50%1.30%1.79%1.72%+30 bps
Growth
Asset Growth (YoY)30.69%12.31%0.12%0.53%-5.38%-3,607 bps
Loan Growth (YoY)3.50%-1.87%4.45%-0.61%16.55%+1,305 bps
Deposit Growth (YoY)28.64%9.33%-2.48%-0.94%-7.47%-3,611 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.03%0.03%+3 bps
Net Charge-Offs / Loans-0.10%-0.07%-0.05%0.00%0.00%+10 bps
Allowance / Loans1.50%1.50%1.48%1.50%1.29%-21 bps
Allowance Coverage of NPLsn/an/an/a45.7x45.7xn/a
Capital
Tier 1 Leverage Ratio8.50%9.22%8.95%9.65%10.02%+151 bps
Total Risk-Based Capital21.80%24.29%22.19%24.07%22.98%+119 bps
Equity / Assets7.09%8.89%8.72%8.80%9.18%+209 bps
Liquidity & Funding
Loans / Deposits31.86%35.04%34.78%34.41%40.13%+827 bps
Liquid Assets / Assets8.22%7.29%9.38%7.28%7.28%-94 bps
CRE / Total Capitaln/a211%220%197.53%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 2026-10-10

Community 1st Bank Las Vegas

Las Vegas, NM · Cert 16854 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · FNB Financial Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$293.9MAssets
$106.7MLoans
$265.8MDeposits
$27.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 182 of 748).
  • Widest gap: equity / assets trails 73% of banks under $1B in assets operating in a single state (rank 546 of 752).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.66%

Rank 125 of 752

Net Interest Margin

3.87%

Rank 314 of 752

Efficiency Ratio

48.49%

Rank 91 of 752

Equity / Assets

9.18%

Rank 546 of 752

Non-interest income vs. expense

$0.9M$5.9MINCOMEEXPENSE
Unfavorable gap of $5.0M · efficiency ratio beats 88% of banks under $1B in assets operating in a single state
Bank 48.49%Peer median 64.5%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.66%0.72%1.07%1.45%Beats 83%125 / 752
Return on Equity18.05%6.78%10.58%13.65%Beats 93%50 / 752
Net Interest Margin3.87%3.18%3.69%4.17%Beats 58%314 / 752
Efficiency Ratio48.49%55.75%64.49%75.47%Beats 88%91 / 752
Asset Quality
Nonperforming Loans / Loans0.03%0.09%0.42%1.03%Beats 80%147 / 748
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%182 / 748
Capital
Tier 1 Capital Ratio21.93%11.55%13.75%17.60%Beats 86%103 / 752
Total Risk-Based Capital Ratio22.98%11.70%14.33%18.47%Beats 87%101 / 752
Equity / Assets9.18%8.93%10.56%13.13%Beats 27%546 / 752
Liquidity & Funding
Loans / Deposits40.13%62.23%78.64%91.26%5th pctl715 / 752
Loans / Assets36.30%54.61%67.41%76.47%6th pctl706 / 752
Brokered Deposits / Depositsn/aNot reported for this institution