PackageTrendsPeer
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 4.38%, up 113 bps year over year; NIM at 2.36%.
  • Capital: tier 1 leverage ratio of 93.28%, up 153 bps from a year ago.

Return on Assets (YTD, annualized)

4.38%+113 bps YoY

Net Interest Margin (YTD, annualized)

2.36%-60 bps YoY

Efficiency Ratio (YTD, annualized)

90.58%-184 bps YoY

Tier 1 Leverage Ratio

93.28%+153 bps YoY

NIM

2.20%Q2 ’242.20%Q2 ’251.81%Q2 ’26-1%-20%

Non-interest income vs. expense

46.61%Q2 ’2453.48%Q2 ’2555.43%Q2 ’26+72%-81%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets7.52%7.19%4.28%3.25%3.48%4.41%5.01%4.38%+113 bps
Return on Equity8.11%7.76%4.58%3.48%3.73%4.73%5.33%4.67%+119 bps
Net Interest Margin2.99%2.88%3.05%2.95%2.88%2.73%2.44%2.36%-60 bps
Efficiency Ratio82.32%83.20%89.97%92.42%91.93%89.94%89.08%90.58%-184 bps
Non-Interest Burden-7.78%-7.14%-3.48%-2.19%-2.49%-3.74%-4.80%-3.96%-177 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