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Four Corners Community Bank

Farmington, NM · Cert 35441 · Mesa West Bcorp

State charter, non-member · FDIC · 6 branches

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=570 to 617). 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

11

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

87

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

Four Corners Community Bank

Farmington, NM · Cert 35441 · Mesa West Bcorp

State charter, non-member · FDIC · 6 branches

Q2 2026

$662.3MAssets
$450.3MLoans
$569.1MDeposits
$57.3MEquity
Loan mix
66%RE $264.9M21%C&I $84.2M13%Consumer $52.2MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $406.4M29%Noninterest $162.8MQ2 2025Q2 2026

NIM

5.43%Q2 ’245.41%Q2 ’255.75%Q2 ’26-3%+5%

Non-interest income vs. expense

2.43%Q2 ’242.36%Q2 ’252.36%Q2 ’26-13%+20%

Market Position · Farmington, NM · 2026 SOD (annual) · 23.5% share · #2 of 8 inst. · $0.5B of $1.9B

23.5% San Juan
11.6% Montezuma
1.2% La Plata

Executive Summary

  • Earnings: ROA of 1.61%, up 26 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.35% of loans (-246 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 9.62%, down 85 bps from a year ago.
  • Funding: loans stand at 79.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.61%+26 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+20 bps YoY

Efficiency Ratio (YTD, annualized)

52.30%+132 bps YoY

Tier 1 Leverage Ratio

9.62%-85 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.24%1.29%1.82%1.61%+26 bps
Return on Equity15.22%13.93%14.44%20.37%18.28%+306 bps
Net Interest Margin3.86%3.85%3.80%4.02%4.06%+20 bps
Efficiency Ratio50.98%50.05%50.19%48.43%52.30%+132 bps
Non-Interest Burden1.59%1.58%1.65%1.72%1.91%+32 bps
Growth
Asset Growth (YoY)10.92%12.86%16.43%12.70%15.94%+502 bps
Loan Growth (YoY)6.39%17.93%20.92%17.65%22.67%+1,628 bps
Deposit Growth (YoY)11.52%14.29%15.17%10.94%14.23%+272 bps
Asset Quality
Nonperforming Loans / Loans2.80%2.49%2.32%0.39%0.35%-246 bps
Net Charge-Offs / Loans0.25%0.22%0.25%0.11%0.17%-8 bps
Allowance / Loans1.91%1.85%1.73%1.71%1.63%-28 bps
Allowance Coverage of NPLs0.7x0.7x0.7x4.4x4.7x+4.0x
Capital
Tier 1 Leverage Ratio10.48%9.91%9.71%9.80%9.62%-85 bps
Total Risk-Based Capital10.48%9.91%9.71%9.80%9.62%-85 bps
Equity / Assets9.16%8.90%8.86%8.99%8.65%-51 bps
Liquidity & Funding
Loans / Deposits73.67%75.64%77.77%77.70%79.11%+544 bps
Liquid Assets / Assets6.41%4.83%5.89%5.26%5.30%-111 bps
CRE / Total Capitaln/a357%379%372%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

Four Corners Community Bank

Farmington, NM · Cert 35441 · Peer group: banks under $1B in assets (n=570-617) · Mesa West Bcorp

State charter, non-member · FDIC · 6 branches

Q2 2026

$662.3MAssets
$450.3MLoans
$569.1MDeposits
$57.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 91% of banks under $1B in assets (rank 57 of 617).
  • Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets (rank 574 of 617).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.56%

Rank 129 of 617

Net Interest Margin

4.06%

Rank 147 of 617

Efficiency Ratio

52.30%

Rank 84 of 617

Equity / Assets

8.65%

Rank 497 of 617

Non-interest income vs. expense

$2.9M$15.3MINCOMEEXPENSE
Unfavorable gap of $12.4M · efficiency ratio beats 87% of banks under $1B in assets
Bank 52.30%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.56%0.60%1.01%1.45%Beats 79%129 / 617
Return on Equity18.07%5.30%9.43%13.30%Beats 91%57 / 617
Net Interest Margin4.06%3.04%3.54%4.05%Beats 76%147 / 617
Efficiency Ratio52.30%58.03%67.76%79.08%Beats 87%84 / 617
Asset Quality
Nonperforming Loans / Loans0.35%0.09%0.47%1.27%Beats 57%246 / 570
Net Charge-Offs / Loans0.11%n/a0.01%0.06%Beats 16%482 / 570
Capital
Tier 1 Capital Ratio9.62%11.18%13.83%18.55%Beats 7%572 / 617
Total Risk-Based Capital Ratio9.62%11.56%14.39%19.39%Beats 7%574 / 617
Equity / Assets8.65%9.03%10.55%13.63%Beats 19%497 / 617
Liquidity & Funding
Loans / Deposits79.11%64.77%79.70%93.06%49th pctl299 / 582
Loans / Assets67.98%51.70%67.18%77.51%52nd pctl297 / 617
Brokered Deposits / Depositsn/aNot reported for this institution