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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 1.83% | 0.70% | 0.85% | 0.78% | 0.89% | 0.99% | 1.15% | +30 bps | |
| Return on Equity | 10.60% | 22.34% | 8.17% | 9.67% | 8.82% | 9.92% | 10.64% | 11.81% | +214 bps | |
| Net Interest Margin | 2.89% | 3.02% | 2.91% | 3.18% | 3.15% | 3.22% | 3.35% | 3.46% | +27 bps | |
| Efficiency Ratio | 66.56% | 51.20% | 66.57% | 68.27% | 70.87% | 67.61% | 68.64% | 64.11% | -415 bps | |
| Non-Interest Burden | 1.73% | 0.47% | 1.81% | 2.04% | 2.11% | 2.04% | 2.08% | 1.89% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.02% | -1.46% | -3.29% | -2.22% | -3.98% | -0.23% | -4.70% | -3.88% | -166 bps | |
| Loan Growth (YoY) | 3.96% | -0.84% | -5.66% | -5.31% | -4.75% | -3.98% | -1.34% | -3.11% | +220 bps | |
| Deposit Growth (YoY) | -0.82% | 1.84% | 3.91% | 2.03% | 3.83% | 4.44% | -2.65% | 0.57% | -147 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.39% | 0.20% | 0.63% | 0.33% | 0.20% | 0.18% | 0.16% | 0.13% | -20 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.20% | 0.00% | 0.04% | -0.02% | 0.06% | 0.11% | 0.03% | -1 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.04% | 1.02% | 1.03% | 1.04% | 1.02% | 1.04% | +3 bps | |
| Allowance Coverage of NPLs | 2.6x | 4.9x | 1.6x | 3.1x | 5.1x | 5.9x | 6.2x | 8.2x | +5.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.56% | 8.87% | 9.07% | 9.29% | 9.33% | 9.32% | 9.90% | 10.15% | +86 bps | |
| Total Risk-Based Capital | 13.78% | 15.24% | 15.99% | 15.78% | 16.12% | 16.41% | 16.45% | 16.90% | +112 bps | |
| Equity / Assets | 7.86% | 8.50% | 8.67% | 8.89% | 8.89% | 9.08% | 9.61% | 9.88% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.05% | 78.76% | 74.98% | 76.27% | 73.43% | 72.41% | 75.99% | 73.49% | -279 bps | |
| Liquid Assets / Assets | 30.05% | 29.22% | 31.53% | 29.74% | 31.65% | 31.27% | 27.82% | 27.47% | -227 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 350% | 342% | 332% | n/a | n/a | |