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First National Bank in Cimarron

Cimarron, KS · Cert 4638 · First National Agency Inc.

National charter · OCC · 2 branches

Q2 2026

$143.5MAssets
$70.9MLoans
$131.3MDeposits
$9.6MEquity
Loan mix
63%RE $33.2M30%C&I $15.9M7%Consumer $3.6MQ3 2024Q2 2026
Deposit mix
66%Interest-bearing $87.1M34%Noninterest $44.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.72%, up 52 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.25% of loans (-169 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.60%, up 86 bps from a year ago.
  • Funding: loans stand at 54.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.72%+52 bps YoY

Net Interest Margin (YTD, annualized)

3.84%+24 bps YoY

Efficiency Ratio (YTD, annualized)

56.93%-628 bps YoY

Tier 1 Leverage Ratio

9.60%+86 bps YoY

NIM

4.53%Q2 ’244.73%Q2 ’254.99%Q2 ’26+7%+7%

Non-interest income vs. expense

2.29%Q2 ’242.44%Q2 ’252.33%Q2 ’26+6%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%0.99%1.20%1.20%1.21%1.12%1.73%1.72%+52 bps
Return on Equity30.14%26.81%30.49%28.29%25.37%22.80%29.40%27.96%-33 bps
Net Interest Margin3.37%3.30%3.65%3.60%3.64%3.61%3.72%3.84%+24 bps
Efficiency Ratio65.59%68.53%60.42%63.21%64.03%65.38%58.27%56.93%-628 bps
Non-Interest Burden2.13%2.19%2.09%2.18%2.23%2.27%2.09%2.07%-11 bps
Growth
Asset Growth (YoY)8.96%-0.30%6.41%6.39%2.07%7.71%2.72%0.70%-569 bps
Loan Growth (YoY)21.17%30.22%13.67%6.85%3.11%-6.05%-5.38%-1.37%-823 bps
Deposit Growth (YoY)1.68%-1.46%4.39%4.33%1.58%5.91%1.33%-0.75%-508 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%1.94%0.13%0.29%0.11%0.25%-169 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans0.94%1.03%1.12%1.18%1.10%1.07%1.05%1.04%-14 bps
Allowance Coverage of NPLsn/an/an/a0.6x8.7x3.6x9.8x4.2x+3.6x
Capital
Tier 1 Leverage Ratio8.76%8.27%8.21%8.74%9.01%8.75%8.93%9.60%+86 bps
Total Risk-Based Capital15.38%14.33%15.49%15.68%16.14%15.74%16.93%17.28%+160 bps
Equity / Assets5.25%3.31%4.58%4.92%6.31%5.36%6.48%6.71%+179 bps
Liquidity & Funding
Loans / Deposits55.81%53.53%55.60%54.34%56.65%47.48%51.91%54.00%-34 bps
Liquid Assets / Assets0.04%3.92%0.46%2.32%0.02%11.48%1.99%0.05%-227 bps
CRE / Total Capitaln/an/an/an/a63.53%70.57%74.80%n/an/a