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First Bank and Trust Company

Minden, NE · Cert 5438 · First of Minden Financial Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

$91.2MAssets
$44.1MLoans
$66.3MDeposits
$9.3MEquity
Loan mix
84%RE $31.7M10%C&I $3.6M6%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $54.1M18%Noninterest $12.2MQ2 2025Q2 2026

NIM

4.35%Q2 ’244.77%Q2 ’254.83%Q2 ’26+21%+8%

Non-interest income vs. expense

2.34%Q2 ’242.51%Q2 ’252.60%Q2 ’26+22%-1%

Executive Summary

  • Earnings: ROA of 0.85%, up 14 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.00% of loans (-78 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 10.55%, up 75 bps from a year ago.
  • Funding: loans stand at 66.47% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.85%+14 bps YoY

Net Interest Margin (quarter, annualized)

3.27%+25 bps YoY

Efficiency Ratio (quarter, annualized)

70.30%-485 bps YoY

Tier 1 Leverage Ratio

10.55%+75 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.99%0.34%0.77%0.85%+14 bps
Return on Equity7.93%10.37%3.35%7.82%8.53%+60 bps
Net Interest Margin3.02%3.19%3.06%3.23%3.27%+25 bps
Efficiency Ratio75.15%69.85%88.31%69.47%70.30%-485 bps
Non-Interest Burden2.19%2.10%2.66%2.12%2.17%-2 bps
Growth
Asset Growth (YoY)-2.70%-2.86%-2.64%-4.25%-4.36%-166 bps
Loan Growth (YoY)-3.67%-6.32%-2.99%-9.23%-11.22%-754 bps
Deposit Growth (YoY)-8.80%-4.20%-6.33%-6.53%-3.27%+553 bps
Asset Quality
Nonperforming Loans / Loans0.78%1.27%2.70%1.90%0.00%-78 bps
Net Charge-Offs / Loans-0.04%-0.03%-0.02%0.02%-0.04%0 bps
Allowance / Loans1.49%1.50%1.52%1.69%1.70%+21 bps
Allowance Coverage of NPLs1.9x1.2x0.6x0.9xn/an/a
Capital
Tier 1 Leverage Ratio9.80%10.48%10.51%10.27%10.55%+75 bps
Total Risk-Based Capital19.33%19.96%19.69%21.58%21.80%+248 bps
Equity / Assets9.15%10.00%10.07%9.64%10.17%+102 bps
Liquidity & Funding
Loans / Deposits72.42%74.29%70.77%64.42%66.47%-595 bps
Liquid Assets / Assets0.78%0.52%0.52%2.28%1.06%+28 bps
CRE / Total Capitaln/a55.60%60.15%51.80%n/an/a