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Firstier Bank

Kimball, NE · Cert 17478 · Firstier Bcorp

State charter, non-member · FDIC · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=176). 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

68

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

5

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

Firstier Bank

Kimball, NE · Cert 17478 · Firstier Bcorp

State charter, non-member · FDIC · 12 branches

Q2 2026

$1.0BAssets
$816.9MLoans
$883.2MDeposits
$122.9MEquity
Loan mix
90%RE $672.0M9%C&I $67.1M1%Consumer $7.7MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $779.2M12%Noninterest $104.0MQ2 2025Q2 2026

NIM

7.16%Q2 ’246.49%Q2 ’256.05%Q2 ’26-6%-10%

Non-interest income vs. expense

1.95%Q2 ’242.33%Q2 ’252.88%Q2 ’26+21%+20%

Market Position · Cheyenne, WY · 2026 SOD (annual) · 5.6% share · #9 of 19 inst. · $0.2B of $3.2B

85.6% Kimball
5.6% Laramie
6.1% Buffalo
1.4% Weld

Executive Summary

  • Earnings: ROA of 0.61%, down 36 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 4.51% of loans (+101 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.43%, down 78 bps from a year ago.
  • Funding: loans stand at 92.50% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.61%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.31%-38 bps YoY

Efficiency Ratio (YTD, annualized)

81.84%+2,059 bps YoY

Tier 1 Leverage Ratio

11.43%-78 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.56%0.27%0.60%0.61%-36 bps
Return on Equity7.65%4.54%2.24%5.40%5.40%-225 bps
Net Interest Margin3.69%3.59%3.49%3.14%3.31%-38 bps
Efficiency Ratio61.25%63.02%67.98%88.71%81.84%+2,059 bps
Non-Interest Burden2.22%2.21%2.30%2.77%2.67%+45 bps
Growth
Asset Growth (YoY)10.02%16.63%18.60%14.83%0.13%-989 bps
Loan Growth (YoY)3.36%4.92%1.59%2.95%2.05%-131 bps
Deposit Growth (YoY)8.10%15.74%22.44%16.21%-1.23%-933 bps
Asset Quality
Nonperforming Loans / Loans3.51%7.84%4.73%6.81%4.51%+101 bps
Net Charge-Offs / Loans0.16%0.19%0.67%-0.02%-0.01%-16 bps
Allowance / Loans1.56%1.99%2.00%1.86%1.85%+29 bps
Allowance Coverage of NPLs0.4x0.3x0.4x0.3x0.4x0.0x
Capital
Tier 1 Leverage Ratio12.21%11.72%11.24%11.13%11.43%-78 bps
Total Risk-Based Capital14.78%14.58%14.10%14.40%14.60%-19 bps
Equity / Assets11.84%11.55%11.22%11.03%11.72%-12 bps
Liquidity & Funding
Loans / Deposits89.52%89.08%85.44%83.72%92.50%+297 bps
Liquid Assets / Assets0.89%0.86%1.12%1.80%2.84%+195 bps
CRE / Total Capitaln/a404%420%427%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

Firstier Bank

Kimball, NE · Cert 17478 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Firstier Bcorp

State charter, non-member · FDIC · 12 branches

Q2 2026

$1.0BAssets
$816.9MLoans
$883.2MDeposits
$122.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 87% of banks $1B-$10B in assets operating regionally (rank 25 of 176).
  • Widest gap: nonperforming loans / loans trails 99% of banks $1B-$10B in assets operating regionally (rank 176 of 176).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.63%

Rank 159 of 176

Net Interest Margin

3.31%

Rank 128 of 176

Efficiency Ratio

81.84%

Rank 168 of 176

Equity / Assets

11.72%

Rank 46 of 176

Non-interest income vs. expense

$2.3M$31.2MINCOMEEXPENSE
Unfavorable gap of $28.9M · efficiency ratio beats 5% of banks $1B-$10B in assets operating regionally
Bank 81.84%Peer median 59.6%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.63%0.93%1.26%1.54%Beats 10%159 / 176
Return on Equity5.38%9.26%11.89%14.46%Beats 7%164 / 176
Net Interest Margin3.31%3.25%3.59%3.93%Beats 27%128 / 176
Efficiency Ratio81.84%52.79%59.55%67.66%Beats 5%168 / 176
Asset Quality
Nonperforming Loans / Loans4.51%0.30%0.64%1.32%Beats 1%176 / 176
Net Charge-Offs / Loans0.00%0.01%0.04%0.10%Beats 87%25 / 176
Capital
Tier 1 Capital Ratio13.34%11.15%12.72%14.15%Beats 63%66 / 176
Total Risk-Based Capital Ratio14.60%11.81%13.63%15.33%Beats 66%60 / 176
Equity / Assets11.72%9.16%10.35%11.80%Beats 74%46 / 176
Liquidity & Funding
Loans / Deposits92.50%80.94%89.73%97.21%60th pctl70 / 176
Loans / Assets77.93%69.25%75.12%80.82%63rd pctl66 / 176
Brokered Deposits / Depositsn/aNot reported for this institution