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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

6.08%Q2 ’246.21%Q2 ’256.01%Q2 ’26+3%-1%

Non-interest income vs. expense

2.94%Q2 ’243.03%Q2 ’253.62%Q2 ’26+3%+25%

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 1.06%, down 57 bps year over year; NIM at 4.81%.
  • 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 (quarter, annualized)

1.06%-57 bps YoY

Net Interest Margin (quarter, annualized)

4.81%-6 bps YoY

Efficiency Ratio (quarter, annualized)

71.82%+1,348 bps YoY

Tier 1 Leverage Ratio

10.48%+37 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.62%1.51%1.22%1.14%1.06%-57 bps
Return on Equity15.79%14.59%11.49%10.75%9.82%-597 bps
Net Interest Margin4.87%4.97%4.96%4.80%4.81%-6 bps
Efficiency Ratio58.34%62.51%69.38%70.08%71.82%+1,348 bps
Non-Interest Burden2.71%2.98%3.35%3.29%3.39%+68 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