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First Bank Blue Earth

Blue Earth, MN · Cert 5097 · FNB Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MN3

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 MN (n=111 to 113). 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

4

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

8

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

27

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

First Bank Blue Earth

Blue Earth, MN · Cert 5097 · FNB Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$322.7MAssets
$212.2MLoans
$283.2MDeposits
$23.8MEquity
Loan mix
87%RE $131.7M10%C&I $14.9M3%Consumer $3.9MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $236.7M16%Noninterest $46.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.43%, up 9 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 0.39% of loans (+8 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 9.47%, down 30 bps from a year ago.
  • Funding: loans stand at 74.95% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.43%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.40%+11 bps YoY

Efficiency Ratio (YTD, annualized)

69.69%-392 bps YoY

Tier 1 Leverage Ratio

9.47%-30 bps YoY

NIM

4.50%Q2 ’244.75%Q2 ’254.64%Q2 ’26+5%+5%

Non-interest income vs. expense

1.83%Q2 ’241.91%Q2 ’251.87%Q2 ’26+4%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.45%0.44%0.34%0.55%0.65%0.06%0.43%+9 bps
Return on Equity8.16%7.62%6.94%5.16%8.15%9.51%0.89%5.93%+77 bps
Net Interest Margin2.14%2.14%2.16%2.28%2.42%2.35%2.26%2.40%+11 bps
Efficiency Ratio74.39%73.43%75.89%73.62%69.62%66.97%73.44%69.69%-392 bps
Non-Interest Burden1.52%1.48%1.56%1.60%1.56%1.43%1.56%1.58%-2 bps
Growth
Asset Growth (YoY)1.26%1.77%2.92%1.54%0.02%3.64%5.86%5.49%+395 bps
Loan Growth (YoY)9.94%3.64%9.21%6.04%7.36%4.98%-1.60%0.96%-508 bps
Deposit Growth (YoY)0.55%1.50%5.26%5.38%0.32%3.56%7.24%6.35%+98 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.36%0.30%0.31%0.26%0.24%1.06%0.39%+8 bps
Net Charge-Offs / Loans0.02%0.01%0.00%-0.01%-0.04%-0.03%0.00%0.12%+13 bps
Allowance / Loans1.15%1.13%1.12%1.10%1.11%1.11%1.39%1.26%+17 bps
Allowance Coverage of NPLs3.3x3.1x3.8x3.5x4.2x4.7x1.3x3.3x-0.3x
Capital
Tier 1 Leverage Ratio9.64%9.58%9.69%9.76%9.84%9.67%9.52%9.47%-30 bps
Total Risk-Based Capital9.64%9.58%9.69%9.76%13.06%9.67%9.52%9.47%-30 bps
Equity / Assets6.28%6.10%6.58%6.87%7.23%7.17%7.14%7.36%+49 bps
Liquidity & Funding
Loans / Deposits75.71%74.96%78.36%78.96%81.03%75.99%71.89%74.95%-401 bps
Liquid Assets / Assets22.14%23.30%21.67%21.78%21.34%25.39%25.99%22.54%+76 bps
CRE / Total Capitaln/an/an/an/a118.72%109.32%108.40%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

First Bank Blue Earth

Blue Earth, MN · Cert 5097 · Peer group: banks under $1B in assets in MN (n=111-113) · FNB Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$322.7MAssets
$212.2MLoans
$283.2MDeposits
$23.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 58% of banks under $1B in assets in MN (rank 48 of 111).
  • Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets in MN (rank 111 of 113).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.43%

Rank 105 of 113

Net Interest Margin

2.40%

Rank 111 of 113

Efficiency Ratio

69.69%

Rank 84 of 113

Equity / Assets

7.36%

Rank 103 of 113

Non-interest income vs. expense

$0.9M$6.1MINCOMEEXPENSE
Unfavorable gap of $5.2M · efficiency ratio beats 27% of banks under $1B in assets in MN
Bank 69.69%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.43%0.87%1.20%1.41%Beats 7%105 / 113
Return on Equity5.80%8.92%11.27%13.99%Beats 14%97 / 113
Net Interest Margin2.40%3.42%3.88%4.31%Beats 2%111 / 113
Efficiency Ratio69.69%54.13%61.48%69.86%Beats 27%84 / 113
Asset Quality
Nonperforming Loans / Loans0.39%0.09%0.58%1.82%Beats 58%48 / 111
Net Charge-Offs / Loans0.06%n/a0.00%0.04%Beats 21%89 / 111
Capital
Tier 1 Capital Ratio9.47%11.53%13.31%18.13%Beats 2%111 / 113
Total Risk-Based Capital Ratio9.47%12.12%14.43%19.39%Beats 2%111 / 113
Equity / Assets7.36%8.52%10.10%11.94%Beats 9%103 / 113
Liquidity & Funding
Loans / Deposits74.95%62.08%77.32%88.06%47th pctl59 / 111
Loans / Assets65.77%55.01%66.35%75.50%48th pctl59 / 113
Brokered Deposits / Depositsn/aNot reported for this institution