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First National Bank

Hamilton, AL · Cert 22271 · Marion County Bancshares Inc.

National charter · OCC · 5 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

83

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

5

Q2 2024Q2 2026peer median

Efficiency

92

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

Hamilton, AL · Cert 22271 · Marion County Bancshares Inc.

National charter · OCC · 5 branches

Q2 2026

$372.7MAssets
$146.8MLoans
$305.5MDeposits
$66.3MEquity
Loan mix
66%RE $89.8M16%C&I $21.8M18%Consumer $25.0MQ3 2024Q2 2026
Deposit mix
62%Interest-bearing $188.5M38%Noninterest $117.0MQ3 2024Q2 2026

Market Position · Birmingham, AL · 2026 SOD (annual) · 0.1% share · #40 of 49 inst. · $0.0B of $53.8B

15.3% Marion
16.4% Winston
4.0% Walker
10.6% Lamar

Executive Summary

  • Earnings: ROA of 2.10%, up 23 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.25% of loans (-11 bps YoY), with net charge-offs at 0.30%.
  • Capital: tier 1 leverage ratio of 18.99%, up 85 bps from a year ago.
  • Funding: loans stand at 48.06% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.10%+23 bps YoY

Net Interest Margin (YTD, annualized)

4.24%-9 bps YoY

Efficiency Ratio (YTD, annualized)

46.37%-596 bps YoY

Tier 1 Leverage Ratio

18.99%+85 bps YoY

NIM

4.69%Q2 ’244.92%Q2 ’254.84%Q2 ’260%-2%

Non-interest income vs. expense

2.41%Q2 ’242.71%Q2 ’252.40%Q2 ’26+22%-21%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.03%1.98%1.77%1.87%1.94%1.97%1.84%2.10%+23 bps
Return on Equity13.64%13.13%11.13%11.60%11.76%11.75%10.37%11.83%+23 bps
Net Interest Margin4.34%4.25%4.27%4.33%4.41%4.38%4.20%4.24%-9 bps
Efficiency Ratio48.55%49.95%54.53%52.32%50.69%49.85%49.94%46.37%-596 bps
Non-Interest Burden1.64%1.67%1.89%1.86%1.80%1.74%1.67%1.46%-40 bps
Growth
Asset Growth (YoY)-2.96%-3.92%0.18%2.05%2.19%3.90%2.25%4.19%+213 bps
Loan Growth (YoY)4.72%1.52%7.72%9.35%2.40%1.91%-4.15%-5.53%-1,489 bps
Deposit Growth (YoY)-8.16%-5.94%-2.33%0.11%0.92%1.15%0.54%2.56%+246 bps
Asset Quality
Nonperforming Loans / Loans0.38%0.22%0.14%0.36%0.18%0.23%0.21%0.25%-11 bps
Net Charge-Offs / Loans0.22%0.23%0.44%0.31%0.40%0.38%0.49%0.30%-1 bps
Allowance / Loans1.34%1.29%1.24%1.27%1.38%1.37%1.41%1.47%+20 bps
Allowance Coverage of NPLs3.5x5.8x8.6x3.5x7.5x5.9x6.7x5.8x+2.3x
Capital
Tier 1 Leverage Ratio17.77%17.97%18.06%18.14%18.57%18.97%19.07%18.99%+85 bps
Total Risk-Based Capital17.77%17.97%18.06%18.14%18.57%18.97%19.07%18.99%+85 bps
Equity / Assets16.48%15.67%16.18%16.51%17.50%17.91%17.60%17.79%+128 bps
Liquidity & Funding
Loans / Deposits48.42%49.66%50.99%52.18%49.14%50.03%48.61%48.06%-412 bps
Liquid Assets / Assets2.78%2.61%1.59%0.64%1.18%0.58%1.29%0.66%+2 bps
CRE / Total Capitaln/an/an/an/a59.72%58.70%57.22%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

Hamilton, AL · Cert 22271 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Marion County Bancshares Inc.

National charter · OCC · 5 branches

Q2 2026

$372.7MAssets
$146.8MLoans
$305.5MDeposits
$66.3MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 96% of banks under $1B in assets operating in a single state (rank 32 of 746).
  • Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets operating in a single state (rank 690 of 743).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.10%

Rank 32 of 746

Net Interest Margin

4.24%

Rank 164 of 746

Efficiency Ratio

46.37%

Rank 64 of 746

Equity / Assets

17.79%

Rank 56 of 746

Non-interest income vs. expense

$3.5M$9.1MINCOMEEXPENSE
Unfavorable gap of $5.6M · efficiency ratio beats 92% of banks under $1B in assets operating in a single state
Bank 46.37%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.10%0.72%1.06%1.45%Beats 96%32 / 746
Return on Equity11.79%6.74%10.51%13.63%Beats 62%287 / 746
Net Interest Margin4.24%3.17%3.68%4.16%Beats 78%164 / 746
Efficiency Ratio46.37%55.74%64.58%75.47%Beats 92%64 / 746
Asset Quality
Nonperforming Loans / Loans0.25%0.09%0.42%1.07%Beats 62%281 / 743
Net Charge-Offs / Loans0.22%0.00%0.01%0.05%Beats 7%690 / 743
Capital
Tier 1 Capital Ratio18.99%11.55%13.75%17.60%Beats 80%147 / 746
Total Risk-Based Capital Ratio18.99%11.71%14.33%18.43%Beats 77%168 / 746
Equity / Assets17.79%8.90%10.51%13.06%Beats 92%56 / 746
Liquidity & Funding
Loans / Deposits48.06%61.31%78.27%90.78%11th pctl661 / 746
Loans / Assets39.40%53.60%66.97%76.08%9th pctl678 / 746
Brokered Deposits / Depositsn/aNot reported for this institution