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Letter portraitLegal landscapeQuarterYTD

First Westroads Bank, Inc.

Omaha, NE · Cert 19742 · Ameriwest Corp.

State charter, Fed member · FED · 2 branches

Q2 2026

$394.9MAssets
$281.4MLoans
$344.0MDeposits
$44.5MEquity
Loan mix
85%RE $221.6M15%C&I $39.2M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $234.0M32%Noninterest $110.1MQ2 2025Q2 2026

NIM

5.59%Q2 ’245.43%Q2 ’255.56%Q2 ’26-3%+4%

Non-interest income vs. expense

2.28%Q2 ’242.18%Q2 ’252.29%Q2 ’26-7%+3%

Financial Results

Return on Assets (quarter, annualized)

1.45%-2 bps YoY

Net Interest Margin (quarter, annualized)

3.95%+15 bps YoY

Efficiency Ratio (quarter, annualized)

54.02%+14 bps YoY

Tier 1 Leverage Ratio

11.36%+25 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets1.47%1.49%1.46%1.41%1.45%-2 bps
Net Interest Margin3.81%3.85%4.03%3.97%3.95%+15 bps
Non-Interest Burden1.94%1.93%1.93%2.13%2.00%+6 bps
Loan Growth (YoY)11.63%9.89%9.03%8.67%14.59%+295 bps
Nonperforming Loans / Loans0.69%0.00%0.00%0.14%0.10%-60 bps
Allowance / Loans1.96%1.91%2.03%2.02%1.92%-4 bps
Tier 1 Leverage Ratio11.11%11.14%10.57%11.50%11.36%+25 bps
Equity / Assets10.85%11.14%10.81%11.25%11.27%+43 bps
Liquid Assets / Assets6.25%5.47%2.40%2.40%1.72%-453 bps