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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 $5.4MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $99.9M24%Noninterest $31.5MQ2 2025Q2 2026

NIM

4.86%Q2 ’245.09%Q2 ’255.13%Q2 ’26+10%+5%

Non-interest income vs. expense

2.41%Q2 ’242.37%Q2 ’252.46%Q2 ’26-8%-1%

Executive Summary

  • Earnings: ROA of 1.22%, down 16 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 1.00% of loans (-40 bps YoY), with net charge-offs at 0.31%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.22%-16 bps YoY

Net Interest Margin (quarter, annualized)

3.66%+18 bps YoY

Efficiency Ratio (quarter, annualized)

59.20%-196 bps YoY

Tier 1 Leverage Ratio

11.63%+40 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%0.94%0.36%1.26%1.22%-16 bps
Return on Equity13.61%8.92%3.29%11.51%11.31%-230 bps
Net Interest Margin3.49%3.62%3.78%3.64%3.66%+18 bps
Efficiency Ratio61.16%64.46%86.97%61.65%59.20%-196 bps
Non-Interest Burden1.98%2.23%3.24%2.05%1.97%-1 bps
Growth
Asset Growth (YoY)6.13%5.99%4.54%3.78%5.70%-43 bps
Loan Growth (YoY)0.71%0.69%0.64%0.09%1.30%+60 bps
Deposit Growth (YoY)4.92%5.13%3.32%2.81%5.20%+28 bps
Asset Quality
Nonperforming Loans / Loans1.40%1.45%1.21%1.46%1.00%-40 bps
Net Charge-Offs / Loans0.12%0.19%0.07%-0.11%0.31%+19 bps
Allowance / Loans1.40%1.43%1.46%1.48%1.46%+7 bps
Allowance Coverage of NPLs1.0x1.0x1.2x1.0x1.5x+0.5x
Capital
Tier 1 Leverage Ratio11.23%11.47%11.51%11.65%11.63%+40 bps
Total Risk-Based Capital11.23%11.47%11.51%11.65%11.63%+40 bps
Equity / Assets10.33%10.74%11.00%10.88%10.72%+39 bps
Liquidity & Funding
Loans / Deposits58.44%59.48%60.16%58.64%56.28%-217 bps
Liquid Assets / Assets17.26%16.04%15.61%17.90%16.68%-58 bps
CRE / Total Capitaln/a90.97%90.47%89.44%n/an/a