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Letter portraitLegal landscapeQuarterYTD

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 2.36%, up 40 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 0.25% of loans (-11 bps YoY), with net charge-offs at 0.10%.
  • 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 (quarter, annualized)

2.36%+40 bps YoY

Net Interest Margin (quarter, annualized)

4.32%-7 bps YoY

Efficiency Ratio (quarter, annualized)

43.03%-704 bps YoY

Tier 1 Leverage Ratio

18.99%+85 bps YoY

NIM

4.68%Q2 ’245.00%Q2 ’254.93%Q2 ’26+2%-2%

Non-interest income vs. expense

2.38%Q2 ’242.57%Q2 ’252.30%Q2 ’26+23%-30%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.83%1.80%1.77%1.96%2.08%2.06%1.84%2.36%+40 bps
Return on Equity11.65%11.20%11.13%11.96%12.23%11.62%10.37%13.33%+136 bps
Net Interest Margin4.18%4.22%4.27%4.39%4.54%4.42%4.20%4.32%-7 bps
Efficiency Ratio53.56%54.15%54.53%50.07%47.59%47.36%49.94%43.03%-704 bps
Non-Interest Burden1.82%1.86%1.89%1.83%1.66%1.63%1.67%1.28%-55 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 / Loans0.14%0.27%0.44%0.18%0.55%0.37%0.49%0.10%-8 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