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First Independent Bank

Aurora, MO · Cert 18380 · First Ind Bancshares Inc.

State charter, non-member · FDIC · 1 branch

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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

43

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

First Independent Bank

Aurora, MO · Cert 18380 · First Ind Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$147.6MAssets
$73.9MLoans
$131.4MDeposits
$15.8MEquity
Loan mix
77%RE $55.4M15%C&I $10.8M8%Consumer $5.4MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $99.9M24%Noninterest $31.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.24%, up 14 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 1.00% of loans (-40 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 11.63%, up 40 bps from a year ago.
  • Funding: loans stand at 56.28% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.24%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.60%+21 bps YoY

Efficiency Ratio (YTD, annualized)

60.40%-357 bps YoY

Tier 1 Leverage Ratio

11.63%+40 bps YoY

NIM

4.76%Q2 ’244.99%Q2 ’255.06%Q2 ’26+10%+6%

Non-interest income vs. expense

2.44%Q2 ’242.39%Q2 ’252.47%Q2 ’26-4%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.81%0.80%1.10%1.05%0.87%1.26%1.24%+14 bps
Return on Equity7.55%8.54%8.07%10.89%10.20%8.39%11.51%11.40%+51 bps
Net Interest Margin3.14%3.19%3.37%3.39%3.47%3.53%3.64%3.60%+21 bps
Efficiency Ratio69.14%67.05%67.01%63.97%64.14%70.28%61.65%60.40%-357 bps
Non-Interest Burden2.07%2.03%2.15%2.04%2.10%2.38%2.05%1.98%-6 bps
Growth
Asset Growth (YoY)4.83%3.83%6.53%6.13%5.99%4.54%3.78%5.70%-43 bps
Loan Growth (YoY)11.99%7.86%2.37%0.71%0.69%0.64%0.09%1.30%+60 bps
Deposit Growth (YoY)3.07%5.71%6.39%4.92%5.13%3.32%2.81%5.20%+28 bps
Asset Quality
Nonperforming Loans / Loans1.29%0.81%1.18%1.40%1.45%1.21%1.46%1.00%-40 bps
Net Charge-Offs / Loans0.10%0.07%0.01%0.07%0.11%0.10%-0.11%0.10%+3 bps
Allowance / Loans1.32%1.30%1.37%1.40%1.43%1.46%1.48%1.46%+7 bps
Allowance Coverage of NPLs1.0x1.6x1.2x1.0x1.0x1.2x1.0x1.5x+0.5x
Capital
Tier 1 Leverage Ratio11.33%11.51%11.17%11.23%11.47%11.51%11.65%11.63%+40 bps
Total Risk-Based Capital11.33%11.51%11.17%11.23%11.47%11.51%11.65%11.63%+40 bps
Equity / Assets9.98%9.91%9.99%10.33%10.74%11.00%10.88%10.72%+39 bps
Liquidity & Funding
Loans / Deposits62.10%61.77%60.24%58.44%59.48%60.16%58.64%56.28%-217 bps
Liquid Assets / Assets14.39%14.40%16.16%17.26%16.04%15.61%17.90%16.68%-58 bps
CRE / Total Capitaln/an/an/an/a90.97%90.47%89.44%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

First Independent Bank

Aurora, MO · Cert 18380 · Peer group: banks under $1B in assets in MO (n=82-83) · First Ind Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$147.6MAssets
$73.9MLoans
$131.4MDeposits
$15.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 51% of banks under $1B in assets in MO (rank 41 of 83).
  • Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets in MO (rank 78 of 82).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

1.20%

Rank 45 of 83

Net Interest Margin

3.60%

Rank 55 of 83

Efficiency Ratio

60.40%

Rank 48 of 83

Equity / Assets

10.72%

Rank 41 of 83

Non-interest income vs. expense

$0.7M$3.6MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 43% of banks under $1B in assets in MO
Bank 60.40%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.20%0.96%1.32%1.75%Beats 46%45 / 83
Return on Equity11.21%9.66%12.96%15.76%Beats 35%54 / 83
Net Interest Margin3.60%3.35%3.85%4.16%Beats 34%55 / 83
Efficiency Ratio60.40%49.83%58.83%68.51%Beats 43%48 / 83
Asset Quality
Nonperforming Loans / Loans1.00%0.08%0.51%1.01%Beats 27%61 / 82
Net Charge-Offs / Loans0.18%0.00%0.01%0.06%Beats 6%78 / 82
Capital
Tier 1 Capital Ratio11.63%11.01%12.49%14.98%Beats 39%51 / 83
Total Risk-Based Capital Ratio11.63%11.13%13.01%15.10%Beats 34%55 / 83
Equity / Assets10.72%8.83%10.71%13.29%Beats 51%41 / 83
Liquidity & Funding
Loans / Deposits56.28%69.28%83.22%91.21%9th pctl75 / 82
Loans / Assets50.07%59.34%71.15%78.36%11th pctl74 / 83
Brokered Deposits / Depositsn/aNot reported for this institution