East Lansing, MI · Cert 17438 · First National Bancshares Inc.
National charter · OCC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
41
Profitability
96
Liquidity
0
Efficiency
100
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.
East Lansing, MI · Cert 17438 · First National Bancshares Inc.
National charter · OCC · 3 branches
Q2 2026
Market Position · Lansing-East Lansing, MI · 2026 SOD (annual) · 27.2% share · #1 of 18 inst. · $3.4B of $12.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.94% | 2.95% | 3.27% | 3.02% | 2.92% | 2.94% | 2.71% | 2.79% | -23 bps | |
| Return on Equity | 34.78% | 35.35% | 40.15% | 36.98% | 35.97% | 36.23% | 33.85% | 34.72% | -226 bps | |
| Net Interest Margin | 4.60% | 4.49% | 4.71% | 4.70% | 4.66% | 4.63% | 4.67% | 4.69% | -1 bps | |
| Efficiency Ratio | 24.12% | 23.61% | 23.20% | 24.61% | 24.87% | 24.67% | 26.99% | 26.64% | +203 bps | |
| Non-Interest Burden | 0.86% | 0.80% | 0.57% | 0.84% | 0.93% | 0.92% | 1.18% | 1.11% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.35% | 12.42% | 10.00% | 7.80% | 6.97% | 6.18% | 5.99% | 6.00% | -180 bps | |
| Loan Growth (YoY) | 16.00% | 12.61% | 9.61% | 8.44% | 6.93% | 6.13% | 6.65% | 5.18% | -326 bps | |
| Deposit Growth (YoY) | 17.69% | 13.43% | 10.42% | 5.48% | 5.32% | 4.08% | 2.69% | 3.73% | -175 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.38% | 1.46% | 1.62% | 1.76% | 1.74% | 1.82% | 1.88% | 1.90% | +14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.09% | 1.10% | 1.10% | 1.10% | 1.10% | 1.09% | 1.10% | 1.09% | -1 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.7x | 0.6x | 0.6x | 0.6x | 0.6x | 0.6x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.64% | 8.14% | 8.29% | 8.27% | 8.15% | 8.14% | 8.04% | 8.13% | -13 bps | |
| Total Risk-Based Capital | 17.48% | 16.58% | 17.05% | 16.75% | 16.55% | 16.39% | 16.43% | 16.54% | -21 bps | |
| Equity / Assets | 8.46% | 8.04% | 8.23% | 8.19% | 8.05% | 8.01% | 8.00% | 8.08% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 156.72% | 158.72% | 156.75% | 159.60% | 159.13% | 161.86% | 162.79% | 161.84% | +224 bps | |
| Liquid Assets / Assets | 3.92% | 3.85% | 4.79% | 3.97% | 4.25% | 3.98% | 4.34% | 4.50% | +53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 66.96% | 70.17% | 71.17% | n/a | n/a | |
East Lansing, MI · Cert 17438 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First National Bancshares Inc.
National charter · OCC · 3 branches
Q2 2026
Return on Assets
2.76%
Rank 7 of 258
Net Interest Margin
4.69%
Rank 15 of 258
Efficiency Ratio
26.64%
Rank 2 of 257
Equity / Assets
8.08%
Rank 233 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.76% | 0.93% | 1.23% | 1.54% | Beats 97% | 7 / 258 | ||
| Return on Equity | 34.23% | 9.26% | 11.84% | 14.74% | Beats 98% | 4 / 258 | ||
| Net Interest Margin | 4.69% | 3.16% | 3.49% | 3.88% | Beats 94% | 15 / 258 | ||
| Efficiency Ratio | 26.64% | 51.71% | 60.30% | 69.65% | Beats 100% | 2 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.90% | 0.19% | 0.46% | 0.90% | Beats 7% | 240 / 258 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 74% | 70 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.28% | 11.41% | 12.98% | 15.12% | Beats 77% | 60 / 258 | ||
| Total Risk-Based Capital Ratio | 16.54% | 12.10% | 13.91% | 16.08% | Beats 78% | 56 / 258 | ||
| Equity / Assets | 8.08% | 9.09% | 10.24% | 11.72% | Beats 10% | 233 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 161.84% | 73.24% | 86.34% | 95.95% | 100th pctl | 1 / 258 | ||
| Loans / Assets | 92.06% | 63.01% | 72.27% | 78.40% | 100th pctl | 1 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||