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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

$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