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First Bank and Trust of Fullerton

Fullerton, NE · Cert 5405 · First National Holding Co. Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in NE3

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 NE (n=83). 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

88

Q2 2024Q2 2026peer median (50)

Profitability

23

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

39

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 and Trust of Fullerton

Fullerton, NE · Cert 5405 · First National Holding Co. Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$108.3MAssets
$69.5MLoans
$83.9MDeposits
$14.6MEquity
Loan mix
90%RE $38.2M8%C&I $3.4M2%Consumer $0.7MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $71.5M15%Noninterest $12.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.06%, up 11 bps year over year; NIM at 3.02%.
  • 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 14.20%, up 47 bps from a year ago.
  • Funding: loans stand at 82.81% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.06%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.02%+15 bps YoY

Efficiency Ratio (YTD, annualized)

64.22%-52 bps YoY

Tier 1 Leverage Ratio

14.20%+47 bps YoY

NIM

4.89%Q2 ’244.69%Q2 ’254.68%Q2 ’26-5%+5%

Non-interest income vs. expense

2.17%Q2 ’242.03%Q2 ’252.15%Q2 ’26-7%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.85%0.78%0.95%0.96%0.98%0.89%1.06%+11 bps
Return on Equity7.26%6.78%6.32%7.67%7.73%7.83%6.93%8.10%+43 bps
Net Interest Margin2.94%2.88%2.81%2.86%2.89%2.87%3.02%3.02%+15 bps
Efficiency Ratio66.55%68.71%70.17%64.74%64.48%64.11%67.53%64.22%-52 bps
Non-Interest Burden1.87%1.90%1.89%1.76%1.77%1.74%1.94%1.82%+6 bps
Growth
Asset Growth (YoY)1.27%1.63%5.68%6.07%5.61%6.80%0.95%1.85%-422 bps
Loan Growth (YoY)1.22%4.14%-0.12%1.14%4.55%5.01%0.14%0.90%-23 bps
Deposit Growth (YoY)3.20%0.24%4.72%4.00%2.72%9.22%0.29%1.17%-282 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.02%0.00%0.00%0.00%0.00%0.19%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.36%1.37%1.44%1.39%1.29%1.30%1.44%1.38%-2 bps
Allowance Coverage of NPLs319.7x79.9xn/a319.7x957.0x319.0x7.4x478.5x+158.8x
Capital
Tier 1 Leverage Ratio14.03%13.69%13.74%13.73%13.68%13.33%14.12%14.20%+47 bps
Total Risk-Based Capital14.03%13.69%13.74%13.73%13.68%13.33%14.12%14.20%+47 bps
Equity / Assets12.72%12.32%12.38%12.62%12.56%12.62%13.21%13.45%+83 bps
Liquidity & Funding
Loans / Deposits93.50%88.68%80.13%83.03%95.18%85.26%80.01%82.81%-22 bps
Liquid Assets / Assets4.78%4.62%11.06%5.76%4.35%4.33%8.75%4.29%-147 bps
CRE / Total Capitaln/an/an/an/a27.81%28.31%28.86%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 and Trust of Fullerton

Fullerton, NE · Cert 5405 · Peer group: banks under $1B in assets in NE (n=83) · First National Holding Co. Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$108.3MAssets
$69.5MLoans
$83.9MDeposits
$14.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in NE (rank 33 of 83).
  • Widest gap: net interest margin trails 84% of banks under $1B in assets in NE (rank 70 of 83).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.07%

Rank 55 of 83

Net Interest Margin

3.02%

Rank 70 of 83

Efficiency Ratio

64.22%

Rank 52 of 83

Equity / Assets

13.45%

Rank 24 of 83

Non-interest income vs. expense

$0.4M$2.3MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 39% of banks under $1B in assets in NE
Bank 64.22%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.07%0.93%1.20%1.51%Beats 34%55 / 83
Return on Equity7.92%8.04%10.34%13.11%Beats 19%67 / 83
Net Interest Margin3.02%3.25%3.62%4.02%Beats 16%70 / 83
Efficiency Ratio64.22%51.13%59.95%67.19%Beats 39%52 / 83
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.19%0.96%Beats 75%22 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%33 / 83
Capital
Tier 1 Capital Ratio14.20%10.94%13.24%16.62%Beats 59%34 / 83
Total Risk-Based Capital Ratio14.20%11.04%13.54%17.63%Beats 55%37 / 83
Equity / Assets13.45%9.90%11.31%13.84%Beats 71%24 / 83
Liquidity & Funding
Loans / Deposits82.81%71.97%83.15%92.22%48th pctl43 / 83
Loans / Assets64.15%57.96%69.15%77.64%33rd pctl56 / 83
Brokered Deposits / Depositsn/aNot reported for this institution