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First Citizens Bank of Butte

Butte, MT · Cert 22502

FDIC · 1 branch

Q4 2025

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: Q4 2025, the quarter ended December 31, 2025, 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=815 to 821). 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

67

Q2 2024Q4 2025peer median (50)

Asset Quality

100

Q2 2024Q4 2025peer median (50)

Profitability

33

Q2 2024Q4 2025peer median (50)

Liquidity

75

Q2 2024Q4 2025peer median

Efficiency

34

Q2 2024Q4 2025peer 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 Citizens Bank of Butte

Butte, MT · Cert 22502

FDIC · 1 branch

Q4 2025

$69.9MAssets
$34.6MLoans
$49.2MDeposits
$8.4MEquity
Loan mix
82%RE $28.2M12%C&I $4.2M5%Consumer $1.8MQ1 2024Q4 2025
Deposit mix
58%Interest-bearing $28.3M42%Noninterest $20.9MQ1 2024Q4 2025

Executive Summary

  • Earnings: ROA of 0.67%, down 28 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.09%, up 26 bps from a year ago.
  • Funding: loans stand at 70.39% of deposits as of Q4 2025.

Return on Assets (YTD, annualized)

0.67%-28 bps YoY

Net Interest Margin (YTD, annualized)

3.29%-87 bps YoY

Efficiency Ratio (YTD, annualized)

73.80%+133 bps YoY

Tier 1 Leverage Ratio

12.09%+26 bps YoY

NIM

4.78%Q4 ’235.20%Q4 ’244.04%Q4 ’25-3%-21%

Non-interest income vs. expense

3.19%Q4 ’233.12%Q4 ’242.65%Q4 ’25+0%-21%

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.01%0.96%0.89%0.95%0.72%0.71%0.72%0.67%-28 bps
Return on Equity10.23%9.55%8.69%9.04%6.32%6.04%6.01%5.59%-345 bps
Net Interest Margin4.33%4.32%4.07%4.16%3.94%4.15%4.47%3.29%-87 bps
Efficiency Ratio70.67%72.17%73.21%72.48%78.08%76.71%77.45%73.80%+133 bps
Non-Interest Burden3.02%3.07%2.94%2.97%3.04%3.15%3.43%2.35%-62 bps
Growth
Asset Growth (YoY)-5.54%3.18%2.28%-6.74%-3.26%-13.14%-13.54%-7.16%-42 bps
Loan Growth (YoY)12.56%11.18%-0.13%3.25%-1.33%5.45%5.79%-2.14%-539 bps
Deposit Growth (YoY)-9.03%-9.28%-14.05%-15.64%-10.57%-5.75%-7.76%-6.47%+918 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.99%1.94%1.99%1.90%2.01%1.97%2.00%2.08%+18 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.62%12.00%11.79%11.83%12.23%12.25%13.48%12.09%+26 bps
Total Risk-Based Capital11.62%12.00%11.79%11.83%12.23%12.25%13.48%17.06%+523 bps
Equity / Assets10.17%10.27%11.09%11.20%11.45%12.42%12.70%12.09%+88 bps
Liquidity & Funding
Loans / Deposits57.09%63.45%63.02%67.28%62.99%70.99%72.28%70.39%+311 bps
Liquid Assets / Assets30.12%22.04%25.61%19.62%21.81%10.22%13.67%19.31%-31 bps
CRE / Total Capitaln/an/an/an/an/an/a118.27%118.13%n/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 Citizens Bank of Butte

Butte, MT · Cert 22502 · Peer group: banks under $1B in assets operating in a single state (n=815-821)

FDIC · 1 branch

Q4 2025

$69.9MAssets
$34.6MLoans
$49.2MDeposits
$8.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 118 of 815).
  • Widest gap: return on equity trails 74% of banks under $1B in assets operating in a single state (rank 609 of 821).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.69%

Rank 561 of 821

Net Interest Margin

3.29%

Rank 496 of 821

Efficiency Ratio

73.80%

Rank 540 of 821

Equity / Assets

12.09%

Rank 259 of 821

Non-interest income vs. expense

$0.2M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.6M · efficiency ratio beats 34% of banks under $1B in assets operating in a single state
Bank 73.80%Peer median 67.5%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.69%0.60%0.92%1.29%Beats 32%561 / 821
Return on Equity5.67%5.53%9.01%12.39%Beats 26%609 / 821
Net Interest Margin3.29%2.96%3.47%4.01%Beats 40%496 / 821
Efficiency Ratio73.80%58.51%67.52%77.71%Beats 34%540 / 821
Asset Quality
Nonperforming Loans / Loans0.00%0.07%0.39%1.09%Beats 100%118 / 815
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.81%11.57%13.96%18.25%Beats 65%291 / 821
Total Risk-Based Capital Ratio17.06%11.91%14.63%18.88%Beats 67%268 / 821
Equity / Assets12.09%8.73%10.33%12.96%Beats 68%259 / 821
Liquidity & Funding
Loans / Deposits70.39%61.85%77.93%91.10%38th pctl508 / 815
Loans / Assets49.55%53.55%66.75%76.60%19th pctl659 / 815
Brokered Deposits / Deposits0.00%n/an/a3.16%Beats 100%503 / 821