Independence, KS · Cert 4660 · FNB Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Pueblo, CO · 2026 SOD (annual) · 3.2% share · #9 of 13 inst. · $0.1B of $2.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.62% | 1.34% | 1.44% | 1.62% | 1.51% | 1.22% | 1.14% | 1.06% | -57 bps | |
| Return on Equity | 15.91% | 13.10% | 14.12% | 15.79% | 14.59% | 11.49% | 10.75% | 9.82% | -597 bps | |
| Net Interest Margin | 4.65% | 4.73% | 4.61% | 4.87% | 4.97% | 4.96% | 4.80% | 4.81% | -6 bps | |
| Efficiency Ratio | 57.87% | 66.10% | 61.00% | 58.34% | 62.51% | 69.38% | 70.08% | 71.82% | +1,348 bps | |
| Non-Interest Burden | 2.56% | 3.00% | 2.70% | 2.71% | 2.98% | 3.35% | 3.29% | 3.39% | +68 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.51% | 2.68% | 0.78% | 5.22% | 5.33% | -0.10% | 1.31% | -2.01% | -723 bps | |
| Loan Growth (YoY) | -1.48% | 2.23% | 0.69% | 0.14% | 2.19% | -2.00% | -3.14% | -2.07% | -221 bps | |
| Deposit Growth (YoY) | -1.76% | -0.44% | 0.99% | 5.87% | 5.45% | 2.19% | 1.65% | -2.87% | -874 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.95% | 0.92% | 0.93% | 0.96% | 0.98% | 1.00% | 1.02% | 1.05% | +8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.90% | 10.12% | 10.06% | 10.11% | 9.98% | 10.13% | 10.12% | 10.48% | +37 bps | |
| Total Risk-Based Capital | 9.90% | 10.12% | 10.06% | 10.11% | 9.98% | 10.13% | 10.12% | 10.48% | +37 bps | |
| Equity / Assets | 10.40% | 10.14% | 10.31% | 10.25% | 10.48% | 10.72% | 10.54% | 11.00% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.33% | 92.67% | 91.51% | 87.42% | 88.51% | 88.87% | 87.20% | 88.14% | +72 bps | |
| Liquid Assets / Assets | 5.36% | 4.46% | 4.30% | 4.17% | 4.04% | 4.06% | 3.99% | 4.17% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 211% | 195.80% | 208% | n/a | n/a | |