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First Bank Hampton

Hampton, IA · Cert 4464 · A M Saylor Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$240.9MAssets
$201.6MLoans
$208.2MDeposits
$27.2MEquity
Loan mix
71%RE $115.5M24%C&I $39.0M5%Consumer $8.6MQ3 2024Q2 2026
Deposit mix
96%Interest-bearing $200.7M4%Noninterest $7.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.08%, down 38 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.65% of loans (-106 bps YoY), with net charge-offs at 2.02%.
  • Capital: tier 1 leverage ratio of 11.61%, up 24 bps from a year ago.
  • Funding: loans stand at 96.84% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.08%-38 bps YoY

Net Interest Margin (quarter, annualized)

4.11%+16 bps YoY

Efficiency Ratio (quarter, annualized)

46.92%-55 bps YoY

Tier 1 Leverage Ratio

11.61%+24 bps YoY

NIM

5.41%Q2 ’245.67%Q2 ’255.75%Q2 ’26+16%+4%

Non-interest income vs. expense

2.26%Q2 ’242.06%Q2 ’252.10%Q2 ’26-11%+4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.11%1.06%1.46%0.84%0.95%1.56%1.08%-38 bps
Return on Equity11.59%11.41%10.54%14.03%7.93%8.95%14.51%9.85%-418 bps
Net Interest Margin3.51%3.66%3.71%3.95%4.07%4.11%4.16%4.11%+16 bps
Efficiency Ratio55.91%52.51%54.12%47.48%63.93%52.22%46.40%46.92%-55 bps
Non-Interest Burden1.79%1.71%1.86%1.67%2.47%2.00%1.79%1.74%+7 bps
Growth
Asset Growth (YoY)11.14%6.87%4.99%8.51%-2.86%-0.49%4.46%-0.37%-888 bps
Loan Growth (YoY)6.06%5.30%5.00%9.35%10.92%4.99%5.41%2.47%-688 bps
Deposit Growth (YoY)6.73%4.38%8.02%13.05%0.23%4.62%3.31%-2.96%-1,602 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.10%0.98%1.71%0.68%0.85%0.91%0.65%-106 bps
Net Charge-Offs / Loans0.09%0.32%0.26%0.33%0.43%0.74%0.04%2.02%+169 bps
Allowance / Loans1.86%1.90%1.96%1.95%1.95%2.06%2.12%1.92%-3 bps
Allowance Coverage of NPLs3379.0x19.9x2.0x1.1x2.8x2.4x2.3x2.9x+1.8x
Capital
Tier 1 Leverage Ratio11.37%10.57%11.13%11.36%11.51%11.41%11.48%11.61%+24 bps
Total Risk-Based Capital11.37%10.57%11.13%11.36%11.51%11.41%11.48%11.61%+24 bps
Equity / Assets9.58%9.90%10.28%10.60%10.52%10.82%10.66%11.30%+70 bps
Liquidity & Funding
Loans / Deposits82.89%91.47%89.04%91.71%91.73%91.79%90.85%96.84%+513 bps
Liquid Assets / Assets12.69%6.43%5.08%3.60%4.54%4.95%6.42%1.83%-177 bps
CRE / Total Capitaln/an/an/an/a117.43%117.10%133.32%n/an/a