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First Security Bank of Roundup

Roundup, MT · Cert 20479 · Central Montana Bcorp

State charter, non-member · FDIC · 1 branch

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

87

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

83

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

87

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 Security Bank of Roundup

Roundup, MT · Cert 20479 · Central Montana Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$94.5MAssets
$31.4MLoans
$81.8MDeposits
$12.3MEquity
Loan mix
15%RE $2.6M68%C&I $11.9M17%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $53.2M35%Noninterest $28.6MQ2 2025Q2 2026

NIM

3.96%Q2 ’244.50%Q2 ’254.64%Q2 ’26+16%+4%

Non-interest income vs. expense

2.26%Q2 ’242.33%Q2 ’252.33%Q2 ’26+5%+1%

Executive Summary

  • Earnings: ROA of 1.85%, up 15 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 5.35% of loans (-13 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 13.36%, up 37 bps from a year ago.
  • Funding: loans stand at 38.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.85%+15 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+18 bps YoY

Efficiency Ratio (YTD, annualized)

49.59%-181 bps YoY

Tier 1 Leverage Ratio

13.36%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.74%1.74%1.78%1.85%+15 bps
Return on Equity14.38%14.20%14.11%13.92%14.40%+2 bps
Net Interest Margin4.12%4.22%4.12%4.24%4.31%+18 bps
Efficiency Ratio51.40%51.47%51.29%50.97%49.59%-181 bps
Non-Interest Burden1.95%2.00%1.97%2.01%1.96%+1 bps
Growth
Asset Growth (YoY)8.39%10.48%5.06%6.26%7.34%-105 bps
Loan Growth (YoY)6.72%10.45%5.73%7.57%8.83%+211 bps
Deposit Growth (YoY)6.51%9.62%3.21%5.29%6.80%+29 bps
Asset Quality
Nonperforming Loans / Loans5.48%5.46%5.86%5.42%5.35%-13 bps
Net Charge-Offs / Loans-0.07%-0.05%-0.04%-0.10%-0.04%+3 bps
Allowance / Loans2.23%2.12%2.36%2.25%2.07%-16 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.4x0.4x0.0x
Capital
Tier 1 Leverage Ratio12.99%13.48%13.31%12.96%13.36%+37 bps
Total Risk-Based Capital27.87%28.09%28.40%28.15%27.30%-58 bps
Equity / Assets12.52%13.44%12.74%12.86%13.02%+49 bps
Liquidity & Funding
Loans / Deposits37.73%41.16%33.71%36.08%38.45%+72 bps
Liquid Assets / Assets8.34%11.68%13.63%17.39%16.59%+825 bps
CRE / Total Capitaln/a8.14%7.87%5.94%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 Security Bank of Roundup

Roundup, MT · Cert 20479 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Central Montana Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$94.5MAssets
$31.4MLoans
$81.8MDeposits
$12.3MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 93% of banks under $1B in assets operating in a single state (rank 52 of 746).
  • Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets operating in a single state (rank 733 of 743).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.84%

Rank 77 of 746

Net Interest Margin

4.31%

Rank 142 of 746

Efficiency Ratio

49.59%

Rank 101 of 746

Equity / Assets

13.02%

Rank 190 of 746

Non-interest income vs. expense

$0.3M$2.2MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 87% of banks under $1B in assets operating in a single state
Bank 49.59%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.84%0.72%1.06%1.45%Beats 90%77 / 746
Return on Equity14.10%6.74%10.51%13.63%Beats 77%168 / 746
Net Interest Margin4.31%3.17%3.68%4.16%Beats 81%142 / 746
Efficiency Ratio49.59%55.74%64.58%75.47%Beats 87%101 / 746
Asset Quality
Nonperforming Loans / Loans5.35%0.09%0.42%1.07%Beats 1%733 / 743
Net Charge-Offs / Loans0.02%0.00%0.01%0.05%Beats 44%422 / 743
Capital
Tier 1 Capital Ratio27.14%11.55%13.75%17.60%Beats 93%52 / 746
Total Risk-Based Capital Ratio27.30%11.71%14.33%18.43%Beats 93%54 / 746
Equity / Assets13.02%8.90%10.51%13.06%Beats 75%190 / 746
Liquidity & Funding
Loans / Deposits38.45%61.31%78.27%90.78%4th pctl713 / 746
Loans / Assets33.26%53.60%66.97%76.08%5th pctl709 / 746
Brokered Deposits / Depositsn/aNot reported for this institution