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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 $5.4MQ3 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