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Firstoak Bank

Independence, KS · Cert 4660 · FNB Bancshares Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

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: 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 KS (n=98). 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

24

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

15

Q2 2024Q2 2026peer median

Efficiency

12

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

Firstoak Bank

Independence, KS · Cert 4660 · FNB Bancshares Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$241.2MAssets
$187.1MLoans
$212.3MDeposits
$26.5MEquity
Loan mix
86%RE $157.9M13%C&I $24.5M1%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $148.3M30%Noninterest $64.0MQ2 2025Q2 2026

NIM

5.93%Q2 ’246.10%Q2 ’256.02%Q2 ’26+2%+2%

Non-interest income vs. expense

2.90%Q2 ’243.02%Q2 ’253.60%Q2 ’26+4%+24%

Market Position · Pueblo, CO · 2026 SOD (annual) · 3.2% share · #9 of 13 inst. · $0.1B of $2.2B

12.4% Montgomery
3.2% Pueblo
18.6% Wilson

Executive Summary

  • Earnings: ROA of 1.10%, down 43 bps year over year; NIM at 4.84%.
  • 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 10.48%, up 37 bps from a year ago.
  • Funding: loans stand at 88.14% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.10%-43 bps YoY

Net Interest Margin (YTD, annualized)

4.84%+10 bps YoY

Efficiency Ratio (YTD, annualized)

70.94%+1,131 bps YoY

Tier 1 Leverage Ratio

10.48%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.53%1.53%1.46%1.14%1.10%-43 bps
Return on Equity14.96%14.83%14.03%10.75%10.25%-471 bps
Net Interest Margin4.74%4.76%4.84%4.80%4.84%+10 bps
Efficiency Ratio59.63%60.63%62.87%70.08%70.94%+1,131 bps
Non-Interest Burden2.70%2.76%2.93%3.29%3.36%+66 bps
Growth
Asset Growth (YoY)5.22%5.33%-0.10%1.31%-2.01%-723 bps
Loan Growth (YoY)0.14%2.19%-2.00%-3.14%-2.07%-221 bps
Deposit Growth (YoY)5.87%5.45%2.19%1.65%-2.87%-874 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.96%0.98%1.00%1.02%1.05%+8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.11%9.98%10.13%10.12%10.48%+37 bps
Total Risk-Based Capital10.11%9.98%10.13%10.12%10.48%+37 bps
Equity / Assets10.25%10.48%10.72%10.54%11.00%+75 bps
Liquidity & Funding
Loans / Deposits87.42%88.51%88.87%87.20%88.14%+72 bps
Liquid Assets / Assets4.17%4.04%4.06%3.99%4.17%0 bps
CRE / Total Capitaln/a211%195.80%208%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

Firstoak Bank

Independence, KS · Cert 4660 · Peer group: banks under $1B in assets in KS (n=98) · FNB Bancshares Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$241.2MAssets
$187.1MLoans
$212.3MDeposits
$26.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 98).
  • Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets in KS (rank 86 of 98).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.11%

Rank 65 of 98

Net Interest Margin

4.84%

Rank 3 of 98

Efficiency Ratio

71.37%

Rank 87 of 98

Equity / Assets

11.00%

Rank 52 of 98

Non-interest income vs. expense

$0.6M$8.8MINCOMEEXPENSE
Unfavorable gap of $8.2M · efficiency ratio beats 12% of banks under $1B in assets in KS
Bank 71.37%Peer median 58.9%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.11%1.03%1.24%1.54%Beats 34%65 / 98
Return on Equity10.07%8.85%11.58%14.73%Beats 40%59 / 98
Net Interest Margin4.84%3.24%3.62%3.91%Beats 97%3 / 98
Efficiency Ratio71.37%51.87%58.88%64.74%Beats 12%87 / 98
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.33%1.05%Beats 100%17 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio10.48%11.81%13.71%17.33%Beats 13%85 / 98
Total Risk-Based Capital Ratio10.48%11.81%14.13%17.45%Beats 12%86 / 98
Equity / Assets11.00%8.60%11.34%13.10%Beats 47%52 / 98
Liquidity & Funding
Loans / Deposits88.14%57.09%69.84%82.47%85th pctl15 / 98
Loans / Assets77.58%49.34%58.31%68.94%94th pctl6 / 98
Brokered Deposits / Depositsn/aNot reported for this institution