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First National Bank of Manning, The

Manning, IA · Cert 4477 · Manning Financial Services Inc.

National charter · OCC · 1 branch

Q2 2026

$87.7MAssets
$42.7MLoans
$74.5MDeposits
$12.6MEquity
Loan mix
83%RE $26.2M13%C&I $4.0M5%Consumer $1.4MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $66.8M10%Noninterest $7.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.10%, up 39 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.97%, down 27 bps from a year ago.
  • Funding: loans stand at 57.24% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.10%+39 bps YoY

Net Interest Margin (quarter, annualized)

2.74%+38 bps YoY

Efficiency Ratio (quarter, annualized)

49.42%-1,421 bps YoY

Tier 1 Leverage Ratio

14.97%-27 bps YoY

NIM

3.60%Q2 ’244.22%Q2 ’254.56%Q2 ’26+38%+16%

Non-interest income vs. expense

1.41%Q2 ’241.53%Q2 ’251.38%Q2 ’26+31%-10%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.18%0.63%0.71%0.74%0.76%0.97%1.10%+39 bps
Return on Equity1.37%1.25%4.44%4.76%4.78%4.94%6.48%7.63%+286 bps
Net Interest Margin1.81%1.87%2.15%2.36%2.47%2.65%2.67%2.74%+38 bps
Efficiency Ratio88.77%88.02%63.06%63.64%63.17%64.56%54.72%49.42%-1,421 bps
Non-Interest Burden1.60%1.64%1.34%1.48%1.54%1.68%1.42%1.33%-15 bps
Growth
Asset Growth (YoY)-5.77%-1.03%3.03%-2.84%0.98%-2.32%4.01%12.56%+1,539 bps
Loan Growth (YoY)-2.59%4.09%4.80%7.41%13.42%11.86%7.76%9.85%+245 bps
Deposit Growth (YoY)-5.33%-0.21%2.11%-4.68%0.02%-3.95%3.66%13.97%+1,865 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.11%1.88%1.89%1.88%1.86%1.68%1.75%1.71%-17 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.45%15.28%15.40%15.24%15.94%15.84%15.58%14.97%-27 bps
Total Risk-Based Capital33.96%30.75%31.39%32.28%31.95%28.57%29.88%30.59%-169 bps
Equity / Assets14.85%13.89%14.50%15.38%15.50%15.16%14.66%14.33%-106 bps
Liquidity & Funding
Loans / Deposits52.05%55.30%56.69%59.38%59.02%64.39%58.93%57.24%-215 bps
Liquid Assets / Assets12.93%10.51%13.35%11.14%14.84%11.03%18.29%19.73%+858 bps
CRE / Total Capitaln/an/an/an/a61.47%81.70%92.29%n/an/a