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First National Bank of Nevada, The

Nevada, MO · Cert 4598 · 1889 Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MO3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in MO (n=82 to 83). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

88

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

12

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

45

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Nevada, The

Nevada, MO · Cert 4598 · 1889 Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$122.2MAssets
$56.4MLoans
$104.6MDeposits
$16.6MEquity
Loan mix
87%RE $34.8M10%C&I $3.9M3%Consumer $1.3MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $77.7M26%Noninterest $26.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.83%, up 10 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.95% of loans (+29 bps YoY), with net charge-offs at 0.91%.
  • Capital: tier 1 leverage ratio of 16.15%, up 76 bps from a year ago.
  • Funding: loans stand at 53.93% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.83%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+33 bps YoY

Efficiency Ratio (YTD, annualized)

59.67%-984 bps YoY

Tier 1 Leverage Ratio

16.15%+76 bps YoY

NIM

3.85%Q2 ’244.07%Q2 ’254.35%Q2 ’26+3%+12%

Non-interest income vs. expense

2.23%Q2 ’242.02%Q2 ’251.93%Q2 ’26+1%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.55%0.52%0.73%0.82%0.84%0.77%0.83%+10 bps
Return on Equity4.95%4.51%4.18%5.83%6.45%6.45%5.52%5.97%+14 bps
Net Interest Margin2.68%2.66%2.72%2.74%2.81%2.99%3.05%3.07%+33 bps
Efficiency Ratio74.62%76.06%78.00%69.51%66.82%65.98%63.69%59.67%-984 bps
Non-Interest Burden1.92%1.95%2.08%1.86%1.83%1.91%1.89%1.77%-9 bps
Growth
Asset Growth (YoY)3.61%1.84%2.55%7.83%6.68%1.58%0.56%1.89%-594 bps
Loan Growth (YoY)3.09%6.99%6.31%12.30%16.37%14.39%13.38%12.30%0 bps
Deposit Growth (YoY)0.53%1.41%1.79%6.93%6.11%-0.94%-1.20%0.84%-609 bps
Asset Quality
Nonperforming Loans / Loans0.57%0.42%0.64%0.66%0.40%0.88%1.44%0.95%+29 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%0.00%0.00%0.91%+91 bps
Allowance / Loans1.91%1.89%1.80%1.73%1.64%1.65%1.68%1.38%-35 bps
Allowance Coverage of NPLs3.3x4.5x2.8x2.6x4.1x1.9x1.2x1.5x-1.2x
Capital
Tier 1 Leverage Ratio15.92%15.91%16.15%15.38%15.20%16.19%16.35%16.15%+76 bps
Total Risk-Based Capital24.29%23.63%23.35%23.78%23.47%24.44%24.22%23.92%+13 bps
Equity / Assets13.00%12.33%12.38%12.58%13.30%14.37%13.69%13.55%+97 bps
Liquidity & Funding
Loans / Deposits47.04%46.84%47.83%48.43%51.59%54.09%54.88%53.93%+551 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.20%+20 bps
CRE / Total Capitaln/an/an/an/a62.93%62.97%61.70%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of Nevada, The

Nevada, MO · Cert 4598 · Peer group: banks under $1B in assets in MO (n=82-83) · 1889 Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$122.2MAssets
$56.4MLoans
$104.6MDeposits
$16.6MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 94% of banks under $1B in assets in MO (rank 5 of 83).
  • Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets in MO (rank 81 of 82).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.80%

Rank 71 of 83

Net Interest Margin

3.07%

Rank 73 of 83

Efficiency Ratio

59.67%

Rank 47 of 83

Equity / Assets

13.55%

Rank 19 of 83

Non-interest income vs. expense

$0.2M$2.3MINCOMEEXPENSE
Unfavorable gap of $2.1M · efficiency ratio beats 45% of banks under $1B in assets in MO
Bank 59.67%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.80%0.96%1.32%1.75%Beats 14%71 / 83
Return on Equity5.89%9.66%12.96%15.76%Beats 10%75 / 83
Net Interest Margin3.07%3.35%3.85%4.16%Beats 12%73 / 83
Efficiency Ratio59.67%49.83%58.83%68.51%Beats 45%47 / 83
Asset Quality
Nonperforming Loans / Loans0.95%0.08%0.51%1.01%Beats 32%57 / 82
Net Charge-Offs / Loans0.45%0.00%0.01%0.06%Beats 2%81 / 82
Capital
Tier 1 Capital Ratio22.98%11.01%12.49%14.98%Beats 94%5 / 83
Total Risk-Based Capital Ratio23.92%11.13%13.01%15.10%Beats 94%5 / 83
Equity / Assets13.55%8.83%10.71%13.29%Beats 77%19 / 83
Liquidity & Funding
Loans / Deposits53.93%69.28%83.22%91.21%6th pctl77 / 82
Loans / Assets46.16%59.34%71.15%78.36%8th pctl76 / 83
Brokered Deposits / Depositsn/aNot reported for this institution