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First National Bank of Beloit, The

Beloit, KS · Cert 4630

FDIC · 1 branch

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, 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 KS (n=105). 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

72

Q2 2024Q1 2025peer median (50)

Asset Quality

53

Q2 2024Q1 2025peer median (50)

Profitability

36

Q2 2024Q1 2025peer median (50)

Liquidity

30

Q2 2024Q1 2025peer median

Efficiency

39

Q2 2024Q1 2025peer 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 Beloit, The

Beloit, KS · Cert 4630

FDIC · 1 branch

Q1 2025

$105.7MAssets
$70.6MLoans
$85.2MDeposits
$11.6MEquity
Loan mix
83%RE $45.6M13%C&I $7.1M4%Consumer $2.1MQ2 2023Q1 2025
Deposit mix
70%Interest-bearing $59.6M30%Noninterest $25.6MQ2 2023Q1 2025

Executive Summary

  • Earnings: ROA of 0.98%, up 32 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 3.75% of loans (+375 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.68%, up 94 bps from a year ago.
  • Funding: loans stand at 82.78% of deposits as of Q1 2025.

Return on Assets (YTD, annualized)

0.98%+32 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+26 bps YoY

Efficiency Ratio (YTD, annualized)

65.52%-808 bps YoY

Tier 1 Leverage Ratio

12.68%+94 bps YoY

NIM

3.60%Q1 ’234.49%Q1 ’244.82%Q1 ’25+5%+9%

Non-interest income vs. expense

2.25%Q1 ’232.30%Q1 ’242.22%Q1 ’25+3%-4%

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.39%0.49%0.50%0.65%0.55%0.60%0.64%0.98%+32 bps
Return on Equity4.54%5.60%5.80%7.18%5.95%6.32%6.62%9.41%+223 bps
Net Interest Margin2.74%2.84%2.85%2.90%2.95%2.98%2.96%3.16%+26 bps
Efficiency Ratio76.88%75.92%75.69%73.60%75.12%74.08%73.47%65.52%-808 bps
Non-Interest Burden2.06%2.10%2.10%2.08%2.16%2.15%2.12%2.00%-8 bps
Growth
Asset Growth (YoY)3.22%1.55%7.94%0.26%0.95%7.17%-2.93%-2.13%-239 bps
Loan Growth (YoY)16.78%8.63%9.35%11.00%16.96%27.22%15.83%8.37%-263 bps
Deposit Growth (YoY)-10.24%-7.79%1.43%0.90%1.04%-3.59%-0.89%-1.28%-219 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%3.75%+375 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.83%1.93%1.75%1.70%1.57%1.51%1.50%1.56%-14 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a0.4xn/an/a
Capital
Tier 1 Leverage Ratio11.66%12.28%12.12%11.74%12.06%12.20%12.05%12.68%+94 bps
Total Risk-Based Capital20.89%22.43%20.42%20.53%19.62%19.43%19.45%20.35%-18 bps
Equity / Assets8.78%8.89%8.80%9.44%9.66%10.39%9.86%10.94%+149 bps
Liquidity & Funding
Loans / Deposits71.12%67.43%67.68%75.41%82.32%88.98%79.10%82.78%+737 bps
Liquid Assets / Assets1.61%1.69%1.51%1.59%1.59%0.94%0.89%0.94%-66 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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 Beloit, The

Beloit, KS · Cert 4630 · Peer group: banks under $1B in assets in KS (n=105)

FDIC · 1 branch

Q1 2025

$105.7MAssets
$70.6MLoans
$85.2MDeposits
$11.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 55 of 105).
  • Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in KS (rank 101 of 105).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.00%

Rank 61 of 105

Net Interest Margin

3.16%

Rank 69 of 105

Efficiency Ratio

65.52%

Rank 65 of 105

Equity / Assets

10.94%

Rank 46 of 105

Non-interest income vs. expense

$0.2M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.1M · efficiency ratio beats 39% of banks under $1B in assets in KS
Bank 65.52%Peer median 62.1%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.00%0.78%1.10%1.38%Beats 42%61 / 105
Return on Equity9.17%8.15%10.82%13.36%Beats 33%70 / 105
Net Interest Margin3.16%3.06%3.29%3.75%Beats 34%69 / 105
Efficiency Ratio65.52%55.42%62.09%69.97%Beats 39%65 / 105
Asset Quality
Nonperforming Loans / Loans3.75%0.03%0.22%0.77%Beats 5%101 / 105
Net Charge-Offs / Loans0.00%n/an/a0.01%Beats 100%55 / 105
Capital
Tier 1 Capital Ratio19.10%11.89%13.59%17.54%Beats 80%21 / 105
Total Risk-Based Capital Ratio20.35%11.91%14.34%18.04%Beats 81%20 / 105
Equity / Assets10.94%7.61%10.31%12.60%Beats 56%46 / 105
Liquidity & Funding
Loans / Deposits82.78%54.60%68.18%80.10%81st pctl20 / 105
Loans / Assets66.79%48.15%58.26%66.79%74th pctl27 / 105
Brokered Deposits / Depositsn/aNot reported for this institution