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First American State Bank

Greenwood Village, CO · Cert 34040 · First American Bcorp

State charter, Fed member · FED · 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

49

Q2 2024Q2 2026peer median (50)

Asset Quality

64

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

23

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 American State Bank

Greenwood Village, CO · Cert 34040 · First American Bcorp

State charter, Fed member · FED · 1 branch

Q2 2026

$276.9MAssets
$194.7MLoans
$207.1MDeposits
$25.0MEquity
Loan mix
97%RE $194.9M3%C&I $5.4M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $176.7M15%Noninterest $30.4MQ2 2025Q2 2026

NIM

5.38%Q2 ’245.54%Q2 ’255.47%Q2 ’26+15%+9%

Non-interest income vs. expense

2.10%Q2 ’242.13%Q2 ’252.33%Q2 ’26+0%+11%

Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.2% share · #37 of 68 inst. · $0.2B of $113.6B

Executive Summary

  • Earnings: ROA of 0.44%, up 3 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.24% of loans (-5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.67%, up 75 bps from a year ago.
  • Funding: loans stand at 94.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.44%+3 bps YoY

Net Interest Margin (YTD, annualized)

2.83%+22 bps YoY

Efficiency Ratio (YTD, annualized)

80.88%+159 bps YoY

Tier 1 Leverage Ratio

9.67%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.45%0.51%0.42%0.44%+3 bps
Return on Equity4.95%5.38%5.96%4.74%4.93%-3 bps
Net Interest Margin2.61%2.60%2.62%2.78%2.83%+22 bps
Efficiency Ratio79.29%79.55%77.63%81.74%80.88%+159 bps
Non-Interest Burden2.05%2.05%2.02%2.27%2.28%+23 bps
Growth
Asset Growth (YoY)1.67%2.02%-1.86%-4.83%-5.29%-696 bps
Loan Growth (YoY)3.36%-0.41%-3.80%-5.36%-9.41%-1,277 bps
Deposit Growth (YoY)2.73%9.74%6.29%-0.71%3.35%+62 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.30%0.32%0.32%0.24%-5 bps
Net Charge-Offs / Loans-0.02%-0.02%-0.01%0.00%0.00%+3 bps
Allowance / Loans1.39%1.39%0.96%0.95%0.97%-42 bps
Allowance Coverage of NPLs4.6x4.6x3.0x2.9x4.0x-0.7x
Capital
Tier 1 Leverage Ratio8.92%8.98%9.02%9.37%9.67%+75 bps
Total Risk-Based Capital14.65%15.16%15.66%16.00%16.33%+168 bps
Equity / Assets8.45%8.47%8.86%8.95%9.03%+57 bps
Liquidity & Funding
Loans / Deposits107.25%98.65%99.40%99.24%94.00%-1,324 bps
Liquid Assets / Assets10.94%12.18%11.60%11.31%12.06%+113 bps
CRE / Total Capitaln/a455%427%415%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 American State Bank

Greenwood Village, CO · Cert 34040 · Peer group: banks under $1B in assets (n=581-629) · First American Bcorp

State charter, Fed member · FED · 1 branch

Q2 2026

$276.9MAssets
$194.7MLoans
$207.1MDeposits
$25.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 66% of banks under $1B in assets (rank 197 of 581).
  • Widest gap: net interest margin trails 83% of banks under $1B in assets (rank 519 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.45%

Rank 515 of 629

Net Interest Margin

2.83%

Rank 519 of 629

Efficiency Ratio

80.88%

Rank 487 of 629

Equity / Assets

9.03%

Rank 478 of 629

Non-interest income vs. expense

$0.1M$6.5MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 23% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.45%0.60%1.01%1.45%Beats 18%515 / 629
Return on Equity4.98%5.38%9.30%13.28%Beats 22%488 / 629
Net Interest Margin2.83%3.03%3.54%4.05%Beats 17%519 / 629
Efficiency Ratio80.88%58.35%67.79%79.08%Beats 23%487 / 629
Asset Quality
Nonperforming Loans / Loans0.24%0.09%0.46%1.20%Beats 61%226 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 66%197 / 581
Capital
Tier 1 Capital Ratio15.07%11.24%13.84%18.77%Beats 60%250 / 629
Total Risk-Based Capital Ratio16.33%11.58%14.43%19.66%Beats 63%230 / 629
Equity / Assets9.03%9.09%10.65%13.80%Beats 24%478 / 629
Liquidity & Funding
Loans / Deposits94.00%67.24%80.90%93.48%77th pctl138 / 594
Loans / Assets70.32%53.31%67.71%78.15%56th pctl277 / 629
Brokered Deposits / Depositsn/aNot reported for this institution