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First National Bank of Gillette

Gillette, WY · Cert 18880 · First NB Gillette Holding Co.

National charter · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

82

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 National Bank of Gillette

Gillette, WY · Cert 18880 · First NB Gillette Holding Co.

National charter · OCC · 3 branches

Q2 2026

$651.9MAssets
$164.0MLoans
$570.0MDeposits
$79.2MEquity
Loan mix
72%RE $101.2M23%C&I $32.4M5%Consumer $7.2MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $444.4M22%Noninterest $125.7MQ2 2025Q2 2026

NIM

3.55%Q2 ’243.88%Q2 ’253.98%Q2 ’26+12%+6%

Non-interest income vs. expense

1.64%Q2 ’241.74%Q2 ’251.69%Q2 ’26+6%-7%

Executive Summary

  • Earnings: ROA of 1.25%, up 41 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.72% of loans (-20 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 14.93%, up 16 bps from a year ago.
  • Funding: loans stand at 28.77% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.25%+41 bps YoY

Net Interest Margin (YTD, annualized)

2.86%+17 bps YoY

Efficiency Ratio (YTD, annualized)

51.99%-517 bps YoY

Tier 1 Leverage Ratio

14.93%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.98%1.06%1.21%1.25%+41 bps
Return on Equity8.00%9.03%9.60%9.98%10.26%+225 bps
Net Interest Margin2.69%2.68%2.65%2.79%2.86%+17 bps
Efficiency Ratio57.16%55.26%53.60%52.71%51.99%-517 bps
Non-Interest Burden1.39%1.28%1.23%1.29%1.30%-9 bps
Growth
Asset Growth (YoY)2.95%5.43%5.62%4.60%10.71%+776 bps
Loan Growth (YoY)11.21%11.00%-3.60%-2.05%0.62%-1,059 bps
Deposit Growth (YoY)0.88%3.91%3.08%2.52%9.41%+853 bps
Asset Quality
Nonperforming Loans / Loans0.92%0.75%0.83%0.88%0.72%-20 bps
Net Charge-Offs / Loans0.01%0.03%0.03%-0.05%-0.03%-4 bps
Allowance / Loans1.59%1.63%1.70%1.69%1.63%+4 bps
Allowance Coverage of NPLs1.7x2.2x2.0x1.9x2.3x+0.5x
Capital
Tier 1 Leverage Ratio14.78%14.86%14.47%14.79%14.93%+16 bps
Total Risk-Based Capital14.78%14.86%14.47%14.79%14.93%+16 bps
Equity / Assets11.15%11.74%12.09%12.18%12.15%+101 bps
Liquidity & Funding
Loans / Deposits31.28%30.21%28.22%28.58%28.77%-251 bps
Liquid Assets / Assets34.31%34.92%33.26%31.08%31.02%-329 bps
CRE / Total Capitaln/a89.02%84.72%82.49%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 National Bank of Gillette

Gillette, WY · Cert 18880 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First NB Gillette Holding Co.

National charter · OCC · 3 branches

Q2 2026

$651.9MAssets
$164.0MLoans
$570.0MDeposits
$79.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: net interest margin trails 87% of banks under $1B in assets operating in a single state (rank 648 of 746).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.21%

Rank 290 of 746

Net Interest Margin

2.86%

Rank 648 of 746

Efficiency Ratio

51.99%

Rank 134 of 746

Equity / Assets

12.15%

Rank 233 of 746

Non-interest income vs. expense

$2.6M$11.1MINCOMEEXPENSE
Unfavorable gap of $8.5M · efficiency ratio beats 82% of banks under $1B in assets operating in a single state
Bank 51.99%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%0.72%1.06%1.45%Beats 61%290 / 746
Return on Equity9.98%6.74%10.51%13.63%Beats 46%400 / 746
Net Interest Margin2.86%3.17%3.68%4.16%Beats 13%648 / 746
Efficiency Ratio51.99%55.74%64.58%75.47%Beats 82%134 / 746
Asset Quality
Nonperforming Loans / Loans0.72%0.09%0.42%1.07%Beats 37%472 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio14.93%11.55%13.75%17.60%Beats 61%293 / 746
Total Risk-Based Capital Ratio14.93%11.71%14.33%18.43%Beats 55%333 / 746
Equity / Assets12.15%8.90%10.51%13.06%Beats 69%233 / 746
Liquidity & Funding
Loans / Deposits28.77%61.31%78.27%90.78%2nd pctl734 / 746
Loans / Assets25.16%53.60%66.97%76.08%2nd pctl731 / 746
Brokered Deposits / Depositsn/aNot reported for this institution