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First National Bankers Bank

Baton Rouge, LA · Cert 25247 · First Natl Bankers Bankshares

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 assets3

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 (n=581 to 629). 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

70

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

22

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 Bankers Bank

Baton Rouge, LA · Cert 25247 · First Natl Bankers Bankshares

National charter · OCC · 5 branches

Q2 2026

$983.0MAssets
$544.5MLoans
$383.9MDeposits
$165.4MEquity
Loan mix
92%RE $412.6M8%C&I $34.1M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
2%Interest-bearing $7.9M98%Noninterest $376.0MQ2 2025Q2 2026

NIM

5.67%Q2 ’245.30%Q2 ’254.64%Q2 ’26-1%-9%

Non-interest income vs. expense

4.43%Q2 ’244.93%Q2 ’254.82%Q2 ’26-13%-8%

Market Position · Baton Rouge, LA · 2026 SOD (annual) · 0.4% share · #25 of 40 inst. · $0.1B of $26.7B

0.6% East Baton Rouge
0.4% Pulaski
0.3% Jefferson
0.4% Seminole

Executive Summary

  • Earnings: ROA of 0.82%, down 10 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.78% of loans (-11 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.14%, down 175 bps from a year ago.
  • Funding: loans stand at 141.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.82%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.03%-31 bps YoY

Efficiency Ratio (YTD, annualized)

81.23%+140 bps YoY

Tier 1 Leverage Ratio

16.14%-175 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.88%0.89%0.77%0.82%-10 bps
Return on Equity5.36%5.17%5.38%5.19%5.29%-6 bps
Net Interest Margin3.34%3.42%2.94%2.92%3.03%-31 bps
Efficiency Ratio79.83%80.73%81.74%81.79%81.23%+140 bps
Non-Interest Burden2.09%2.18%1.93%1.85%1.92%-18 bps
Growth
Asset Growth (YoY)-12.12%7.27%12.13%15.90%15.42%+2,754 bps
Loan Growth (YoY)-15.77%-14.91%-19.14%-7.66%-3.12%+1,265 bps
Deposit Growth (YoY)1.89%13.82%33.90%5.15%11.33%+944 bps
Asset Quality
Nonperforming Loans / Loans0.89%0.88%0.85%0.83%0.78%-11 bps
Net Charge-Offs / Loans-0.28%-0.19%-0.22%0.00%0.00%+28 bps
Allowance / Loans3.06%3.13%3.15%3.15%3.17%+10 bps
Allowance Coverage of NPLs3.4x3.6x3.7x3.8x4.0x+0.6x
Capital
Tier 1 Leverage Ratio17.89%18.27%15.82%15.96%16.14%-175 bps
Total Risk-Based Capital17.89%18.27%15.82%15.96%16.14%-175 bps
Equity / Assets19.12%16.44%15.43%14.39%16.83%-229 bps
Liquidity & Funding
Loans / Deposits162.99%133.80%121.36%140.10%141.83%-2,116 bps
Liquid Assets / Assets10.97%18.72%27.75%31.52%22.51%+1,154 bps
CRE / Total Capitaln/a246%239%234%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 Bankers Bank

Baton Rouge, LA · Cert 25247 · Peer group: banks under $1B in assets (n=581-629) · First Natl Bankers Bankshares

National charter · OCC · 5 branches

Q2 2026

$983.0MAssets
$544.5MLoans
$383.9MDeposits
$165.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: efficiency ratio trails 78% of banks under $1B in assets (rank 491 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.89%

Rank 372 of 629

Net Interest Margin

3.03%

Rank 470 of 629

Efficiency Ratio

81.23%

Rank 491 of 629

Equity / Assets

16.83%

Rank 111 of 629

Non-interest income vs. expense

$30.7M$51.0MINCOMEEXPENSE
Unfavorable gap of $20.3M · efficiency ratio beats 22% of banks under $1B in assets
Bank 81.23%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.89%0.60%1.01%1.45%Beats 41%372 / 629
Return on Equity5.30%5.38%9.30%13.28%Beats 25%473 / 629
Net Interest Margin3.03%3.03%3.54%4.05%Beats 25%470 / 629
Efficiency Ratio81.23%58.35%67.79%79.08%Beats 22%491 / 629
Asset Quality
Nonperforming Loans / Loans0.78%0.09%0.46%1.20%Beats 36%372 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio16.14%11.24%13.84%18.77%Beats 65%219 / 629
Total Risk-Based Capital Ratio16.14%11.58%14.43%19.66%Beats 62%238 / 629
Equity / Assets16.83%9.09%10.65%13.80%Beats 82%111 / 629
Liquidity & Funding
Loans / Deposits141.83%67.24%80.90%93.48%99th pctl3 / 594
Loans / Assets55.39%53.31%67.71%78.15%28th pctl456 / 629
Brokered Deposits / Depositsn/aNot reported for this institution