Missoula, MT · Cert 363 · First National Bcorp Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
Market Position · Missoula, MT · 2026 SOD (annual) · 1.5% share · #10 of 11 inst. · $0.1B of $4.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 0.78% | 0.89% | 0.99% | 1.15% | +30 bps | |
| Return on Equity | 9.67% | 8.82% | 9.92% | 10.64% | 11.81% | +214 bps | |
| Net Interest Margin | 3.18% | 3.15% | 3.22% | 3.35% | 3.46% | +27 bps | |
| Efficiency Ratio | 68.27% | 70.87% | 67.61% | 68.64% | 64.11% | -415 bps | |
| Non-Interest Burden | 2.04% | 2.11% | 2.04% | 2.08% | 1.89% | -15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.22% | -3.98% | -0.23% | -4.70% | -3.88% | -166 bps | |
| Loan Growth (YoY) | -5.31% | -4.75% | -3.98% | -1.34% | -3.11% | +220 bps | |
| Deposit Growth (YoY) | 2.03% | 3.83% | 4.44% | -2.65% | 0.57% | -147 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.33% | 0.20% | 0.18% | 0.16% | 0.13% | -20 bps | |
| Net Charge-Offs / Loans | 0.04% | -0.02% | 0.06% | 0.11% | 0.03% | -1 bps | |
| Allowance / Loans | 1.02% | 1.03% | 1.04% | 1.02% | 1.04% | +3 bps | |
| Allowance Coverage of NPLs | 3.1x | 5.1x | 5.9x | 6.2x | 8.2x | +5.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.29% | 9.33% | 9.32% | 9.90% | 10.15% | +86 bps | |
| Total Risk-Based Capital | 15.78% | 16.12% | 16.41% | 16.45% | 16.90% | +112 bps | |
| Equity / Assets | 8.89% | 8.89% | 9.08% | 9.61% | 9.88% | +99 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.27% | 73.43% | 72.41% | 75.99% | 73.49% | -279 bps | |
| Liquid Assets / Assets | 29.74% | 31.65% | 31.27% | 27.82% | 27.47% | -227 bps | |
| CRE / Total Capital | n/a | 350% | 342% | 332% | n/a | n/a | |