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Letter portraitLegal landscapeQuarterYTD

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 0.88%, down 4 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.95% of loans (+29 bps YoY), with net charge-offs at 1.82%.
  • 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 (quarter, annualized)

0.88%-4 bps YoY

Net Interest Margin (quarter, annualized)

3.18%+25 bps YoY

Efficiency Ratio (quarter, annualized)

55.96%-600 bps YoY

Tier 1 Leverage Ratio

16.15%+76 bps YoY

NIM

3.88%Q2 ’244.29%Q2 ’254.47%Q2 ’26+11%+8%

Non-interest income vs. expense

2.35%Q2 ’241.91%Q2 ’251.88%Q2 ’26-15%-4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.39%0.52%0.93%0.99%0.89%0.77%0.88%-4 bps
Return on Equity3.91%3.11%4.18%7.44%7.63%6.41%5.52%6.49%-95 bps
Net Interest Margin2.75%2.65%2.72%2.93%3.10%3.08%3.05%3.18%+25 bps
Efficiency Ratio77.82%80.61%78.00%61.96%62.13%63.58%63.69%55.96%-600 bps
Non-Interest Burden2.09%2.09%2.08%1.76%1.87%1.90%1.89%1.70%-7 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-0.03%0.00%0.00%0.00%0.00%0.00%0.00%1.82%+182 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