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First National Bank Colorado

Las Animas, CO · Cert 3034 · First Bankshares Las Animas

National charter · OCC · 7 branches

Q2 2026

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: 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 operating in a single state (n=743 to 746). 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

37

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

91

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 Bank Colorado

Las Animas, CO · Cert 3034 · First Bankshares Las Animas

National charter · OCC · 7 branches

Q2 2026

$634.3MAssets
$418.7MLoans
$532.4MDeposits
$68.8MEquity
Loan mix
85%RE $291.9M13%C&I $46.2M1%Consumer $4.5MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $411.7M23%Noninterest $120.8MQ2 2025Q2 2026

NIM

5.23%Q2 ’245.31%Q2 ’255.49%Q2 ’26-2%+8%

Non-interest income vs. expense

2.11%Q2 ’242.00%Q2 ’252.10%Q2 ’26-7%+5%

Market Position · Colorado Springs, CO · 2026 SOD (annual) · 1.3% share · #22 of 41 inst. · $0.1B of $10.7B

32.7% Otero
1.4% El Paso
69.5% Bent
100.0% Crowley

Executive Summary

  • Earnings: ROA of 1.70%, unchanged from a year ago; NIM at 4.16%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.76%, up 16 bps from a year ago.
  • Funding: loans stand at 78.64% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.70%0 bps YoY

Net Interest Margin (YTD, annualized)

4.16%+31 bps YoY

Efficiency Ratio (YTD, annualized)

46.73%-117 bps YoY

Tier 1 Leverage Ratio

11.76%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.59%1.64%1.78%1.70%0 bps
Return on Equity18.20%16.53%16.75%17.06%16.11%-209 bps
Net Interest Margin3.86%3.93%3.88%4.06%4.16%+31 bps
Efficiency Ratio47.91%47.75%47.72%47.89%46.73%-117 bps
Non-Interest Burden1.67%1.70%1.67%1.76%1.76%+9 bps
Growth
Asset Growth (YoY)5.54%1.19%5.14%2.00%5.12%-42 bps
Loan Growth (YoY)4.42%2.99%5.75%6.46%14.73%+1,030 bps
Deposit Growth (YoY)3.75%2.33%4.18%0.55%3.32%-42 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.03%0.03%0.03%0.00%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.01%0 bps
Allowance / Loans1.83%1.79%1.81%1.72%1.66%-18 bps
Allowance Coverage of NPLs98.4x67.2x67.4x67.0xn/an/a
Capital
Tier 1 Leverage Ratio11.60%11.83%11.64%11.69%11.76%+16 bps
Total Risk-Based Capital11.60%11.83%11.64%11.69%11.76%+16 bps
Equity / Assets9.48%10.34%10.50%10.39%10.85%+137 bps
Liquidity & Funding
Loans / Deposits70.82%72.81%69.06%74.06%78.64%+782 bps
Liquid Assets / Assets0.84%0.83%0.92%0.91%0.85%+1 bps
CRE / Total Capitaln/a162.92%164.98%169.51%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 Bank Colorado

Las Animas, CO · Cert 3034 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Bankshares Las Animas

National charter · OCC · 7 branches

Q2 2026

$634.3MAssets
$418.7MLoans
$532.4MDeposits
$68.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: total risk-based capital ratio trails 73% of banks under $1B in assets operating in a single state (rank 547 of 746).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.70%

Rank 109 of 746

Net Interest Margin

4.16%

Rank 188 of 746

Efficiency Ratio

46.73%

Rank 68 of 746

Equity / Assets

10.85%

Rank 336 of 746

Non-interest income vs. expense

$2.2M$13.2MINCOMEEXPENSE
Unfavorable gap of $11.0M · efficiency ratio beats 91% of banks under $1B in assets operating in a single state
Bank 46.73%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.70%0.72%1.06%1.45%Beats 85%109 / 746
Return on Equity15.68%6.74%10.51%13.63%Beats 86%102 / 746
Net Interest Margin4.16%3.17%3.68%4.16%Beats 75%188 / 746
Efficiency Ratio46.73%55.74%64.58%75.47%Beats 91%68 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 59%304 / 743
Capital
Tier 1 Capital Ratio11.76%11.55%13.75%17.60%Beats 29%530 / 746
Total Risk-Based Capital Ratio11.76%11.71%14.33%18.43%Beats 27%547 / 746
Equity / Assets10.85%8.90%10.51%13.06%Beats 55%336 / 746
Liquidity & Funding
Loans / Deposits78.64%61.31%78.27%90.78%51st pctl367 / 746
Loans / Assets66.01%53.60%66.97%76.08%48th pctl390 / 746
Brokered Deposits / Depositsn/aNot reported for this institution