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Letter portraitLegal landscapeQuarterYTD

First National Bank of Scott City, The

Scott City, KS · Cert 4769 · Hoeme Family Partnership

National charter · OCC · 1 branch

Q2 2026

$173.8MAssets
$128.3MLoans
$140.4MDeposits
$22.4MEquity
Loan mix
67%RE $57.9M20%C&I $17.7M13%Consumer $10.8MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $102.5M27%Noninterest $37.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.67%, up 25 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.33% of loans (-17 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 14.48%, up 75 bps from a year ago.
  • Funding: loans stand at 91.36% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.67%+25 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+30 bps YoY

Efficiency Ratio (YTD, annualized)

48.20%+49 bps YoY

Tier 1 Leverage Ratio

14.48%+75 bps YoY

NIM

5.25%Q2 ’245.43%Q2 ’255.59%Q2 ’26+5%+8%

Non-interest income vs. expense

2.30%Q2 ’242.01%Q2 ’252.16%Q2 ’26+94%+10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.91%1.85%1.38%1.42%1.51%1.37%1.81%1.67%+25 bps
Return on Equity17.80%17.03%11.89%12.07%12.66%11.31%14.32%13.11%+104 bps
Net Interest Margin3.76%3.73%3.91%3.93%4.00%4.00%4.17%4.23%+30 bps
Efficiency Ratio48.05%48.40%48.57%47.71%46.97%47.04%45.83%48.20%+49 bps
Non-Interest Burden1.27%1.37%1.76%1.73%1.73%1.72%1.80%1.92%+18 bps
Growth
Asset Growth (YoY)1.48%1.19%1.74%4.80%5.60%5.02%7.55%4.61%-19 bps
Loan Growth (YoY)7.03%14.28%10.38%11.11%12.94%10.62%10.34%11.12%+1 bps
Deposit Growth (YoY)-2.92%-1.38%0.93%8.29%6.52%4.77%9.26%-2.14%-1,043 bps
Asset Quality
Nonperforming Loans / Loans0.43%0.49%0.52%0.49%0.67%0.47%0.40%0.33%-17 bps
Net Charge-Offs / Loans0.13%0.13%0.13%0.25%0.21%0.48%-0.05%0.14%-12 bps
Allowance / Loans1.16%1.15%1.18%1.16%1.21%1.19%1.23%1.15%0 bps
Allowance Coverage of NPLs2.7x2.3x2.3x2.3x1.8x2.6x3.1x3.5x+1.2x
Capital
Tier 1 Leverage Ratio13.60%13.73%13.80%13.73%13.97%13.94%14.05%14.48%+75 bps
Total Risk-Based Capital13.60%13.73%13.80%13.73%13.97%13.94%14.05%14.48%+75 bps
Equity / Assets11.84%11.38%11.91%11.95%12.51%12.67%12.66%12.90%+95 bps
Liquidity & Funding
Loans / Deposits79.02%77.13%80.28%80.46%83.78%81.44%81.07%91.36%+1,090 bps
Liquid Assets / Assets1.96%1.92%1.64%1.17%1.03%1.03%1.79%0.82%-34 bps
CRE / Total Capitaln/an/an/an/a56.50%78.12%76.06%n/an/a