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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

7.25%Q2 ’246.81%Q2 ’256.06%Q2 ’26-3%-11%

Non-interest income vs. expense

1.98%Q2 ’242.42%Q2 ’252.75%Q2 ’26+24%+9%

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 31 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 4.51% of loans (+101 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

0.61%-31 bps YoY

Net Interest Margin (quarter, annualized)

3.40%-43 bps YoY

Efficiency Ratio (quarter, annualized)

75.44%+1,414 bps YoY

Tier 1 Leverage Ratio

11.43%-78 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%-0.26%-0.71%0.60%0.61%-31 bps
Return on Equity7.40%-2.26%-6.20%5.40%5.38%-202 bps
Net Interest Margin3.83%3.63%3.47%3.14%3.40%-43 bps
Efficiency Ratio61.30%66.39%81.69%88.71%75.44%+1,414 bps
Non-Interest Burden2.30%2.33%2.75%2.77%2.51%+20 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 / Loans0.26%0.28%2.07%-0.02%0.00%-25 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