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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

$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