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First American Bank

Artesia, NM · Cert 2240 · First Artesia Bancshares Inc.

State charter, non-member · FDIC · 21 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=176). 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

77

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

96

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

95

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 American Bank

Artesia, NM · Cert 2240 · First Artesia Bancshares Inc.

State charter, non-member · FDIC · 21 branches

Q2 2026

$1.9BAssets
$1.2BLoans
$1.6BDeposits
$191.0MEquity
Loan mix
85%RE $962.5M14%C&I $162.0M0%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
60%Interest-bearing $986.7M40%Noninterest $646.1MQ2 2025Q2 2026

NIM

5.20%Q2 ’245.16%Q2 ’255.24%Q2 ’26+1%+6%

Non-interest income vs. expense

2.29%Q2 ’242.14%Q2 ’252.12%Q2 ’26-6%-3%

Market Position · Las Cruces, NM · 2026 SOD (annual) · 5.1% share · #4 of 17 inst. · $0.2B of $3.3B

21.0% Eddy
9.5% Lea
30.6% Grant
5.1% Dona Ana

Executive Summary

  • Earnings: ROA of 2.27%, up 24 bps year over year; NIM at 4.58%.
  • Asset quality: problem loans at 0.53% of loans (-33 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.79%, up 127 bps from a year ago.
  • Funding: loans stand at 71.67% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.27%+24 bps YoY

Net Interest Margin (YTD, annualized)

4.58%+27 bps YoY

Efficiency Ratio (YTD, annualized)

40.18%-200 bps YoY

Tier 1 Leverage Ratio

11.79%+127 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.03%2.11%2.16%2.33%2.27%+24 bps
Return on Equity25.31%24.86%24.23%22.70%22.32%-298 bps
Net Interest Margin4.31%4.46%4.46%4.56%4.58%+27 bps
Efficiency Ratio42.18%41.49%41.45%38.56%40.18%-200 bps
Non-Interest Burden1.57%1.57%1.57%1.45%1.53%-4 bps
Growth
Asset Growth (YoY)5.59%3.62%4.52%-1.06%2.28%-331 bps
Loan Growth (YoY)13.41%9.44%6.43%7.23%6.35%-706 bps
Deposit Growth (YoY)4.50%4.51%2.12%-2.98%1.08%-343 bps
Asset Quality
Nonperforming Loans / Loans0.86%0.84%0.54%0.51%0.53%-33 bps
Net Charge-Offs / Loans0.12%0.08%0.16%0.00%0.00%-12 bps
Allowance / Loans1.80%1.91%1.88%1.87%1.91%+10 bps
Allowance Coverage of NPLs2.1x2.3x3.5x3.7x3.6x+1.5x
Capital
Tier 1 Leverage Ratio10.52%11.44%12.06%11.66%11.79%+127 bps
Total Risk-Based Capital18.00%19.08%20.71%19.08%19.19%+119 bps
Equity / Assets8.40%9.85%10.69%9.87%9.98%+157 bps
Liquidity & Funding
Loans / Deposits68.11%69.28%69.12%68.58%71.67%+355 bps
Liquid Assets / Assets6.95%6.33%7.71%8.74%7.21%+27 bps
CRE / Total Capitaln/a326%312%338%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 American Bank

Artesia, NM · Cert 2240 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · First Artesia Bancshares Inc.

State charter, non-member · FDIC · 21 branches

Q2 2026

$1.9BAssets
$1.2BLoans
$1.6BDeposits
$191.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 98% of banks $1B-$10B in assets operating regionally (rank 4 of 176).
  • Widest gap: equity / assets trails 58% of banks $1B-$10B in assets operating regionally (rank 102 of 176).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.25%

Rank 7 of 176

Net Interest Margin

4.58%

Rank 11 of 176

Efficiency Ratio

41.31%

Rank 10 of 176

Equity / Assets

9.98%

Rank 102 of 176

Non-interest income vs. expense

$11.4M$41.2MINCOMEEXPENSE
Unfavorable gap of $29.8M · efficiency ratio beats 95% of banks $1B-$10B in assets operating regionally
Bank 41.31%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.25%0.93%1.26%1.54%Beats 96%7 / 176
Return on Equity22.56%9.26%11.89%14.46%Beats 98%4 / 176
Net Interest Margin4.58%3.25%3.59%3.93%Beats 94%11 / 176
Efficiency Ratio41.31%52.79%59.55%67.66%Beats 95%10 / 176
Asset Quality
Nonperforming Loans / Loans0.53%0.30%0.64%1.32%Beats 58%75 / 176
Net Charge-Offs / Loans0.01%0.01%0.04%0.10%Beats 82%33 / 176
Capital
Tier 1 Capital Ratio17.94%11.15%12.72%14.15%Beats 95%8 / 176
Total Risk-Based Capital Ratio19.19%11.81%13.63%15.33%Beats 95%8 / 176
Equity / Assets9.98%9.16%10.35%11.80%Beats 42%102 / 176
Liquidity & Funding
Loans / Deposits71.67%80.94%89.73%97.21%9th pctl161 / 176
Loans / Assets61.12%69.25%75.12%80.82%9th pctl161 / 176
Brokered Deposits / Depositsn/aNot reported for this institution