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Letter portraitLegal landscapeQuarterYTD

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