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First Bank of the Lake

Osage Beach, MO · Cert 26960 · Fbol Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets (n=322 to 328). 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

6

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

39

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 Bank of the Lake

Osage Beach, MO · Cert 26960 · Fbol Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$2.3BAssets
$2.2BLoans
$2.0BDeposits
$170.0MEquity
Loan mix
53%RE $1.1B47%C&I $1.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
99%Interest-bearing $2.0B1%Noninterest $0.0BQ2 2025Q2 2026

NIM

7.87%Q2 ’246.98%Q2 ’256.58%Q2 ’26-19%-4%

Non-interest income vs. expense

2.39%Q2 ’242.60%Q2 ’252.32%Q2 ’26+11%-31%

Executive Summary

  • Earnings: ROA of 0.65%, up 56 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 3.70% of loans (+25 bps YoY), with net charge-offs at 0.61%.
  • Capital: tier 1 leverage ratio of 7.08%, down 49 bps from a year ago.
  • Funding: loans stand at 107.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%+56 bps YoY

Net Interest Margin (YTD, annualized)

3.05%-13 bps YoY

Efficiency Ratio (YTD, annualized)

62.64%-1,446 bps YoY

Tier 1 Leverage Ratio

7.08%-49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.10%0.35%0.43%0.54%0.65%+56 bps
Return on Equity1.33%4.75%5.90%7.59%9.07%+774 bps
Net Interest Margin3.18%3.20%3.07%3.30%3.05%-13 bps
Efficiency Ratio77.10%69.57%65.36%65.20%62.64%-1,446 bps
Non-Interest Burden2.40%2.15%1.89%2.03%1.66%-74 bps
Growth
Asset Growth (YoY)40.24%37.91%44.12%34.58%24.94%-1,530 bps
Loan Growth (YoY)43.86%34.02%38.28%30.81%20.67%-2,319 bps
Deposit Growth (YoY)35.74%48.06%38.19%34.95%29.85%-588 bps
Asset Quality
Nonperforming Loans / Loans3.45%3.45%3.07%3.76%3.70%+25 bps
Net Charge-Offs / Loans0.38%0.28%0.35%0.26%0.61%+23 bps
Allowance / Loans0.58%0.67%0.70%0.75%0.67%+9 bps
Allowance Coverage of NPLs0.2x0.2x0.2x0.2x0.2x0.0x
Capital
Tier 1 Leverage Ratio7.58%8.03%7.57%7.30%7.08%-49 bps
Total Risk-Based Capital17.08%17.88%16.97%17.22%17.16%+8 bps
Equity / Assets7.37%7.69%7.08%7.20%7.28%-9 bps
Liquidity & Funding
Loans / Deposits115.46%108.35%107.69%109.94%107.29%-817 bps
Liquid Assets / Assets0.69%3.09%4.32%3.13%3.56%+287 bps
CRE / Total Capitaln/a625%677%686%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 Bank of the Lake

Osage Beach, MO · Cert 26960 · Peer group: banks $1B-$10B in assets (n=322-328) · Fbol Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$2.3BAssets
$2.2BLoans
$2.0BDeposits
$170.0MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 81% of banks $1B-$10B in assets (rank 63 of 328).
  • Widest gap: nonperforming loans / loans trails 98% of banks $1B-$10B in assets (rank 317 of 322).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.64%

Rank 291 of 328

Net Interest Margin

3.05%

Rank 245 of 328

Efficiency Ratio

62.64%

Rank 200 of 328

Equity / Assets

7.28%

Rank 318 of 328

Non-interest income vs. expense

$15.5M$54.4MINCOMEEXPENSE
Unfavorable gap of $38.9M · efficiency ratio beats 39% of banks $1B-$10B in assets
Bank 62.64%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.64%0.91%1.22%1.52%Beats 11%291 / 328
Return on Equity8.85%8.43%11.45%14.43%Beats 28%235 / 328
Net Interest Margin3.05%3.03%3.45%3.83%Beats 25%245 / 328
Efficiency Ratio62.64%51.61%59.56%67.53%Beats 39%200 / 328
Asset Quality
Nonperforming Loans / Loans3.70%0.24%0.51%1.03%Beats 2%317 / 322
Net Charge-Offs / Loans0.34%0.01%0.03%0.10%Beats 9%295 / 322
Capital
Tier 1 Capital Ratio15.90%11.75%13.15%15.47%Beats 79%69 / 328
Total Risk-Based Capital Ratio17.16%12.63%14.15%16.46%Beats 81%63 / 328
Equity / Assets7.28%9.15%10.33%12.01%Beats 3%318 / 328
Liquidity & Funding
Loans / Deposits107.29%76.63%87.92%95.36%94th pctl19 / 323
Loans / Assets93.12%65.18%74.15%79.98%98th pctl5 / 328
Brokered Deposits / Depositsn/aNot reported for this institution