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First Security Bank of Nevada

Las Vegas, NV · Cert 58443

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

86

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

97

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 Security Bank of Nevada

Las Vegas, NV · Cert 58443

State charter, non-member · FDIC · 2 branches

Q2 2026

$297.7MAssets
$190.0MLoans
$211.3MDeposits
$84.3MEquity
Loan mix
99%RE $186.7M1%C&I $1.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $154.3M27%Noninterest $56.9MQ2 2025Q2 2026

NIM

5.32%Q2 ’245.67%Q2 ’255.55%Q2 ’26+2%+1%

Non-interest income vs. expense

1.94%Q2 ’241.84%Q2 ’251.71%Q2 ’26-3%-7%

Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 0.2% share · #23 of 41 inst. · $0.2B of $95.0B

Executive Summary

  • Earnings: ROA of 2.16%, up 34 bps year over year; NIM at 4.43%.
  • Asset quality: problem loans at 0.70% of loans (-83 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 26.27%, down 16 bps from a year ago.
  • Funding: loans stand at 89.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.16%+34 bps YoY

Net Interest Margin (YTD, annualized)

4.43%+2 bps YoY

Efficiency Ratio (YTD, annualized)

38.71%-319 bps YoY

Tier 1 Leverage Ratio

26.27%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.82%1.83%1.94%2.48%2.16%+34 bps
Return on Equity6.76%6.77%7.10%8.93%7.74%+99 bps
Net Interest Margin4.40%4.21%4.20%5.01%4.43%+2 bps
Efficiency Ratio41.90%42.24%41.09%35.93%38.71%-319 bps
Non-Interest Burden1.75%1.69%1.64%1.69%1.62%-13 bps
Growth
Asset Growth (YoY)5.19%0.91%1.34%8.71%3.16%-203 bps
Loan Growth (YoY)7.06%3.52%-4.57%-9.87%-2.50%-956 bps
Deposit Growth (YoY)4.17%-1.25%-1.00%9.01%1.29%-289 bps
Asset Quality
Nonperforming Loans / Loans1.53%7.89%2.33%0.71%0.70%-83 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.42%1.38%1.49%1.48%1.47%+5 bps
Allowance Coverage of NPLs0.9x0.2x0.6x2.1x2.1x+1.2x
Capital
Tier 1 Leverage Ratio26.43%25.99%25.94%27.25%26.27%-16 bps
Total Risk-Based Capital26.43%25.99%25.94%27.25%26.27%-16 bps
Equity / Assets27.03%27.06%28.47%27.13%28.32%+128 bps
Liquidity & Funding
Loans / Deposits93.43%94.30%91.64%84.72%89.94%-349 bps
Liquid Assets / Assets20.42%20.18%25.05%29.95%27.58%+716 bps
CRE / Total Capitaln/a245%237%234%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 Security Bank of Nevada

Las Vegas, NV · Cert 58443 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 2 branches

Q2 2026

$297.7MAssets
$190.0MLoans
$211.3MDeposits
$84.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: return on equity trails 64% of banks under $1B in assets (rank 402 of 629).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.15%

Rank 64 of 629

Net Interest Margin

4.43%

Rank 78 of 629

Efficiency Ratio

38.71%

Rank 19 of 629

Equity / Assets

28.32%

Rank 59 of 629

Non-interest income vs. expense

$0.3M$5.2MINCOMEEXPENSE
Unfavorable gap of $4.9M · efficiency ratio beats 97% of banks under $1B in assets
Bank 38.71%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.15%0.60%1.01%1.45%Beats 90%64 / 629
Return on Equity7.61%5.38%9.30%13.28%Beats 36%402 / 629
Net Interest Margin4.43%3.03%3.54%4.05%Beats 88%78 / 629
Efficiency Ratio38.71%58.35%67.79%79.08%Beats 97%19 / 629
Asset Quality
Nonperforming Loans / Loans0.70%0.09%0.46%1.20%Beats 39%358 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio26.27%11.24%13.84%18.77%Beats 84%98 / 629
Total Risk-Based Capital Ratio26.27%11.58%14.43%19.66%Beats 84%102 / 629
Equity / Assets28.32%9.09%10.65%13.80%Beats 91%59 / 629
Liquidity & Funding
Loans / Deposits89.94%67.24%80.90%93.48%69th pctl186 / 594
Loans / Assets63.83%53.31%67.71%78.15%42nd pctl362 / 629
Brokered Deposits / Depositsn/aNot reported for this institution