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First Bank of Boaz

Boaz, AL · Cert 2784 · First Boaz Bcorp

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 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

72

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

66

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 Boaz

Boaz, AL · Cert 2784 · First Boaz Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$239.8MAssets
$70.1MLoans
$208.0MDeposits
$29.0MEquity
Loan mix
79%RE $51.5M13%C&I $8.7M8%Consumer $5.0MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $151.8M27%Noninterest $56.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.85%, up 1 bps year over year; NIM at 2.30%.
  • Asset quality: problem loans at 0.05% of loans (-2 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 19.66%, up 66 bps from a year ago.
  • Funding: loans stand at 33.72% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.85%+1 bps YoY

Net Interest Margin (YTD, annualized)

2.30%0 bps YoY

Efficiency Ratio (YTD, annualized)

62.09%+486 bps YoY

Tier 1 Leverage Ratio

19.66%+66 bps YoY

NIM

4.17%Q2 ’243.84%Q2 ’253.79%Q2 ’26-1%0%

Non-interest income vs. expense

1.46%Q2 ’241.41%Q2 ’251.54%Q2 ’26-2%+9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.93%0.69%0.84%0.94%0.94%0.76%0.85%+1 bps
Return on Equity8.47%8.86%6.87%8.32%8.96%8.71%6.23%7.04%-127 bps
Net Interest Margin2.29%2.39%2.25%2.30%2.33%2.38%2.25%2.30%0 bps
Efficiency Ratio57.96%56.75%57.28%57.23%55.90%55.88%64.03%62.09%+486 bps
Non-Interest Burden1.25%1.27%1.22%1.25%1.20%1.23%1.38%1.36%+11 bps
Growth
Asset Growth (YoY)2.81%-0.99%1.43%-4.41%-0.54%-0.81%-5.80%-0.62%+379 bps
Loan Growth (YoY)8.32%3.32%0.28%1.25%0.17%7.11%7.50%8.07%+682 bps
Deposit Growth (YoY)-3.55%2.41%3.67%2.38%7.94%4.27%-0.49%1.15%-123 bps
Asset Quality
Nonperforming Loans / Loans0.57%0.53%0.07%0.07%0.01%0.00%0.04%0.05%-2 bps
Net Charge-Offs / Loans0.05%0.06%-0.01%0.00%0.00%0.00%0.00%-0.01%-2 bps
Allowance / Loans1.59%1.59%1.60%1.58%1.56%1.48%1.49%1.47%-11 bps
Allowance Coverage of NPLs2.8x3.0x23.3x23.8x171.0xn/a41.0x30.3x+6.5x
Capital
Tier 1 Leverage Ratio20.28%21.06%18.93%19.00%19.33%19.88%19.98%19.66%+66 bps
Total Risk-Based Capital20.28%21.06%18.93%19.00%19.33%19.88%19.98%19.66%+66 bps
Equity / Assets12.13%9.88%10.18%10.26%11.51%12.41%11.85%12.07%+182 bps
Liquidity & Funding
Loans / Deposits33.33%33.04%31.28%31.56%30.93%33.94%33.79%33.72%+216 bps
Liquid Assets / Assets6.88%6.92%12.19%8.73%9.40%4.07%4.79%3.54%-519 bps
CRE / Total Capitaln/an/an/an/a53.52%59.31%58.29%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 Boaz

Boaz, AL · Cert 2784 · Peer group: banks under $1B in assets (n=581-629) · First Boaz Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$239.8MAssets
$70.1MLoans
$208.0MDeposits
$29.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 80% of banks under $1B in assets (rank 117 of 581).
  • Widest gap: net interest margin trails 93% of banks under $1B in assets (rank 587 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.85%

Rank 395 of 629

Net Interest Margin

2.30%

Rank 587 of 629

Efficiency Ratio

62.09%

Rank 213 of 629

Equity / Assets

12.07%

Rank 224 of 629

Non-interest income vs. expense

$0.5M$4.0MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 66% of banks under $1B in assets
Bank 62.09%Peer median 67.8%Q4 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.85%0.60%1.01%1.45%Beats 37%395 / 629
Return on Equity7.02%5.38%9.30%13.28%Beats 33%423 / 629
Net Interest Margin2.30%3.03%3.54%4.05%Beats 7%587 / 629
Efficiency Ratio62.09%58.35%67.79%79.08%Beats 66%213 / 629
Asset Quality
Nonperforming Loans / Loans0.05%0.09%0.46%1.20%Beats 80%117 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 67%195 / 581n/a
Capital
Tier 1 Capital Ratio19.66%11.24%13.84%18.77%Beats 77%143 / 629
Total Risk-Based Capital Ratio19.66%11.58%14.43%19.66%Beats 75%158 / 629
Equity / Assets12.07%9.09%10.65%13.80%Beats 64%224 / 629
Liquidity & Funding
Loans / Deposits33.72%67.24%80.90%93.48%4th pctl568 / 594
Loans / Assets29.24%53.31%67.71%78.15%11th pctl562 / 629
Brokered Deposits / Depositsn/aNot reported for this institution