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Letter portraitLegal landscapeQuarterYTD

First Neighbor Bank, National Association

Toledo, IL · Cert 3747 · First Neighborhood Bancshares Employee STK Ownership Plan

National charter · OCC · 10 branches

Q2 2026

$736.0MAssets
$528.7MLoans
$604.2MDeposits
$78.9MEquity
Loan mix
70%RE $322.9M23%C&I $108.4M7%Consumer $30.0MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $493.7M18%Noninterest $110.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.22%, up 10 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 2.00% of loans (-110 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 10.62%, down 11 bps from a year ago.
  • Funding: loans stand at 87.51% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.22%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.98%-14 bps YoY

Efficiency Ratio (YTD, annualized)

65.69%+299 bps YoY

Tier 1 Leverage Ratio

10.62%-11 bps YoY

NIM

5.83%Q2 ’246.01%Q2 ’255.80%Q2 ’26+4%-3%

Non-interest income vs. expense

3.01%Q2 ’243.12%Q2 ’253.20%Q2 ’26+13%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.13%1.14%1.12%1.11%1.19%1.36%1.22%+10 bps
Return on Equity9.81%10.93%10.91%10.70%10.65%11.34%12.97%11.52%+82 bps
Net Interest Margin3.96%3.97%4.08%4.11%3.99%3.83%4.04%3.98%-14 bps
Efficiency Ratio60.47%60.05%63.37%62.70%64.43%64.15%63.20%65.69%+299 bps
Non-Interest Burden2.06%2.05%2.22%2.26%2.30%2.20%2.18%2.31%+5 bps
Growth
Asset Growth (YoY)6.70%8.44%9.80%5.98%11.72%11.52%11.36%11.14%+515 bps
Loan Growth (YoY)11.65%10.24%10.77%7.75%6.98%4.53%-1.13%-2.13%-988 bps
Deposit Growth (YoY)4.27%6.56%8.49%3.87%13.30%12.48%12.07%12.06%+820 bps
Asset Quality
Nonperforming Loans / Loans1.44%2.38%2.35%3.10%3.50%3.38%2.58%2.00%-110 bps
Net Charge-Offs / Loans0.49%0.44%0.34%0.34%0.28%0.31%0.00%0.08%-26 bps
Allowance / Loans1.22%1.18%1.22%1.24%1.24%1.21%1.29%1.26%+3 bps
Allowance Coverage of NPLs0.8x0.5x0.5x0.4x0.4x0.4x0.5x0.6x+0.2x
Capital
Tier 1 Leverage Ratio10.59%10.67%10.58%10.73%10.71%10.38%10.46%10.62%-11 bps
Total Risk-Based Capital10.59%10.67%10.58%10.73%10.71%10.38%10.46%10.62%-11 bps
Equity / Assets10.44%10.39%10.42%10.65%10.37%10.54%10.50%10.71%+7 bps
Liquidity & Funding
Loans / Deposits98.43%99.54%97.49%100.20%92.94%92.50%86.01%87.51%-1,269 bps
Liquid Assets / Assets4.14%3.03%4.68%2.69%7.53%6.67%12.24%10.18%+749 bps
CRE / Total Capitaln/an/an/an/a194.28%193.48%182.16%n/an/a