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Letter portraitLegal landscapeQuarterYTD

First Community Trust, National Association

Dubuque, IA · Cert 57179

FDIC

Q2 2026

$13.8MAssets
$0KLoans
$0KDeposits
$12.9MEquity

Executive Summary

  • Earnings: ROA of 3.78%, up 152 bps year over year; NIM at 2.34%.
  • Capital: tier 1 leverage ratio of 93.28%, up 153 bps from a year ago.

Return on Assets (quarter, annualized)

3.78%+152 bps YoY

Net Interest Margin (quarter, annualized)

2.34%-48 bps YoY

Efficiency Ratio (quarter, annualized)

92.02%-287 bps YoY

Tier 1 Leverage Ratio

93.28%+153 bps YoY

NIM

2.20%Q2 ’242.10%Q2 ’251.79%Q2 ’26-6%-17%

Non-interest income vs. expense

47.96%Q2 ’2454.78%Q2 ’2557.60%Q2 ’26+89%-274%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets7.57%6.26%4.28%2.25%3.96%7.20%5.01%3.78%+152 bps
Return on Equity8.16%6.77%4.58%2.40%4.26%7.73%5.33%4.02%+162 bps
Net Interest Margin3.15%3.04%3.05%2.82%2.82%2.54%2.44%2.34%-48 bps
Efficiency Ratio82.67%85.69%89.97%94.88%90.96%84.27%89.08%92.02%-287 bps
Non-Interest Burden-7.76%-5.96%-3.48%-0.86%-3.13%-7.52%-4.80%-3.21%-235 bps
Growth
Asset Growth (YoY)0.73%0.50%0.11%-1.07%-1.94%-7.10%1.25%1.36%+243 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio91.80%91.10%89.78%91.74%91.90%89.39%94.36%93.28%+153 bps
Total Risk-Based Capital91.80%91.10%89.78%91.74%91.90%89.39%94.36%93.28%+153 bps
Equity / Assets92.61%92.25%94.83%93.16%92.79%93.37%94.66%93.29%+13 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets10.12%12.18%5.80%5.29%6.29%4.45%5.30%6.08%+79 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a