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First National Bank of Hugo

Hugo, CO · Cert 3029

National charter · 3 branches

Q1 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q1 2026, the quarter ended March 31, 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=557 to 606). 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

17

Q2 2024Q1 2026peer median (50)

Asset Quality

100

Q2 2024Q1 2026peer median (50)

Profitability

6

Q2 2024Q1 2026peer median (50)

Liquidity

13

Q2 2024Q1 2026peer median

Efficiency

34

Q2 2024Q1 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 Bank of Hugo

Hugo, CO · Cert 3029

National charter · 3 branches

Q1 2026

$151.1MAssets
$70.4MLoans
$135.6MDeposits
$15.0MEquity
Loan mix
97%RE $58.3M1%C&I $0.7M2%Consumer $1.1MQ1 2025Q1 2026
Deposit mix
67%Interest-bearing $91.0M33%Noninterest $44.7MQ1 2025Q1 2026

NIM

3.62%Q1 ’243.70%Q1 ’253.91%Q1 ’26+5%+7%

Non-interest income vs. expense

2.05%Q1 ’242.32%Q1 ’252.23%Q1 ’26+16%-4%

Executive Summary

  • Earnings: ROA of -6.08%, down 682 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 0.00% of loans (-31 bps YoY), with net recoveries of 0.10%.
  • Capital: tier 1 leverage ratio of 9.52%, down 195 bps from a year ago.
  • Funding: loans stand at 51.90% of deposits as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

-6.08%-682 bps YoY

Net Interest Margin (YTD, annualized)

2.76%+18 bps YoY

Efficiency Ratio (YTD, annualized)

74.84%-793 bps YoY

Tier 1 Leverage Ratio

9.52%-195 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.81%0.81%0.83%-6.08%-682 bps
Return on Equity8.14%8.94%8.76%8.90%-61.98%-7,012 bps
Net Interest Margin2.58%2.58%2.64%2.62%2.76%+18 bps
Efficiency Ratio82.77%77.57%77.34%74.77%74.84%-793 bps
Non-Interest Burden2.08%1.92%1.97%1.85%2.00%-8 bps
Growth
Asset Growth (YoY)0.13%-0.41%1.45%7.78%5.97%+584 bps
Loan Growth (YoY)-8.78%-4.96%-3.73%3.82%1.13%+991 bps
Deposit Growth (YoY)1.47%-1.02%1.10%7.68%5.36%+388 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.08%0.00%0.00%0.00%-31 bps
Net Charge-Offs / Loans-0.01%-0.06%-0.01%-0.01%-0.10%-10 bps
Allowance / Loans1.96%1.95%1.92%1.94%2.05%+10 bps
Allowance Coverage of NPLs6.2x23.8xn/an/an/an/a
Capital
Tier 1 Leverage Ratio11.46%10.93%11.15%10.86%9.52%-195 bps
Total Risk-Based Capital11.46%10.93%11.15%10.86%9.52%-195 bps
Equity / Assets9.36%8.86%9.79%9.70%9.91%+54 bps
Liquidity & Funding
Loans / Deposits54.07%52.39%53.33%54.61%51.90%-217 bps
Liquid Assets / Assets8.76%8.55%8.70%7.99%15.55%+679 bps
CRE / Total Capitaln/an/a88.10%89.41%97.92%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 National Bank of Hugo

Hugo, CO · Cert 3029 · Peer group: banks under $1B in assets (n=557-606)

National charter · 3 branches

Q1 2026

$151.1MAssets
$70.4MLoans
$135.6MDeposits
$15.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 79 of 558).
  • Widest gap: return on equity trails 99% of banks under $1B in assets (rank 600 of 604).
  • Overall: at or above the peer median on 3 of 10 directional measures.

Return on Assets

-6.06%

Rank 595 of 604

Net Interest Margin

2.76%

Rank 512 of 604

Efficiency Ratio

74.84%

Rank 397 of 603

Equity / Assets

9.91%

Rank 346 of 604

Non-interest income vs. expense

$0.3M$3.3MINCOMEEXPENSE
Unfavorable gap of $3.0M · efficiency ratio beats 34% of banks under $1B in assets
Bank 74.84%Peer median 68.0%Q2 2025Q1 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-6.06%0.58%1.00%1.47%Beats 1%595 / 604
Return on Equity-61.16%5.38%9.60%13.62%Beats 1%600 / 604
Net Interest Margin2.76%3.01%3.52%4.07%Beats 15%512 / 604
Efficiency Ratio74.84%58.15%68.01%80.27%Beats 34%397 / 603
Asset Quality
Nonperforming Loans / Loans0.00%0.08%0.39%1.12%Beats 100%79 / 558
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%211 / 557
Capital
Tier 1 Capital Ratio9.52%11.15%13.69%18.60%Beats 4%578 / 604
Total Risk-Based Capital Ratio9.52%11.56%14.21%19.70%Beats 4%580 / 604
Equity / Assets9.91%8.81%10.34%13.22%Beats 43%346 / 604
Liquidity & Funding
Loans / Deposits51.90%63.31%78.59%92.04%13th pctl498 / 570
Loans / Assets46.58%50.80%66.73%77.27%20th pctl485 / 606
Brokered Deposits / Deposits0.00%n/an/a3.83%Beats 100%331 / 568