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First National Bank of McConnelsville, The

McConnelsville, OH · Cert 6637 · FNB Shares Inc.

National charter · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

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 in OH (n=68 to 71). 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

68

Q2 2024Q2 2026peer median (50)

Asset Quality

66

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

37

Q2 2024Q2 2026peer median

Efficiency

59

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 National Bank of McConnelsville, The

McConnelsville, OH · Cert 6637 · FNB Shares Inc.

National charter · OCC · 6 branches

Q2 2026

$200.2MAssets
$113.3MLoans
$176.9MDeposits
$22.1MEquity
Loan mix
90%RE $98.7M5%C&I $5.5M5%Consumer $5.2MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $129.0M27%Noninterest $47.9MQ3 2024Q2 2026

Market Position · Columbus, OH · 2026 SOD (annual) · 0.0% share · #48 of 53 inst. · $0.0B of $124.6B

40.9% Morgan
6.7% Athens
3.5% Perry

Executive Summary

  • Earnings: ROA of 1.21%, up 26 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 0.86% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.61%, up 72 bps from a year ago.
  • Funding: loans stand at 64.07% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.21%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.92%+45 bps YoY

Efficiency Ratio (YTD, annualized)

65.15%-414 bps YoY

Tier 1 Leverage Ratio

8.61%+72 bps YoY

NIM

4.07%Q2 ’244.20%Q2 ’254.60%Q2 ’26+5%+13%

Non-interest income vs. expense

2.67%Q2 ’242.68%Q2 ’252.82%Q2 ’26+1%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.90%0.87%0.95%0.96%1.02%1.11%1.21%+26 bps
Return on Equity9.34%9.47%8.71%9.52%9.48%9.95%10.28%11.14%+162 bps
Net Interest Margin3.39%3.39%3.41%3.46%3.51%3.55%3.83%3.92%+45 bps
Efficiency Ratio71.61%71.18%72.05%69.29%68.85%67.82%67.12%65.15%-414 bps
Non-Interest Burden2.20%2.18%2.24%2.17%2.18%2.17%2.32%2.29%+12 bps
Growth
Asset Growth (YoY)1.58%3.17%2.59%3.84%6.00%5.03%3.06%-0.48%-432 bps
Loan Growth (YoY)1.44%0.02%-3.21%-2.81%-1.23%0.26%3.12%4.54%+735 bps
Deposit Growth (YoY)-0.43%2.34%1.34%2.66%5.44%3.81%1.97%-1.54%-420 bps
Asset Quality
Nonperforming Loans / Loans0.42%0.43%0.35%0.85%0.80%0.71%0.64%0.86%+2 bps
Net Charge-Offs / Loans-0.02%-0.02%0.00%-0.06%0.00%0.01%0.00%0.00%+6 bps
Allowance / Loans1.08%1.05%1.08%1.12%1.13%1.11%1.12%1.11%-2 bps
Allowance Coverage of NPLs2.6x2.5x3.1x1.3x1.4x1.6x1.8x1.3x0.0x
Capital
Tier 1 Leverage Ratio7.92%7.89%7.98%7.89%8.14%8.17%8.52%8.61%+72 bps
Total Risk-Based Capital18.37%18.43%19.55%19.66%20.06%20.66%21.35%21.24%+158 bps
Equity / Assets10.23%9.83%10.08%10.11%10.62%10.69%10.86%11.03%+92 bps
Liquidity & Funding
Loans / Deposits65.35%63.55%60.63%60.35%61.22%61.38%61.31%64.07%+373 bps
Liquid Assets / Assets7.93%8.50%12.34%12.46%11.63%10.03%10.42%7.37%-509 bps
CRE / Total Capitaln/an/an/an/a116.66%108.27%114.17%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 National Bank of McConnelsville, The

McConnelsville, OH · Cert 6637 · Peer group: banks under $1B in assets in OH (n=68-71) · FNB Shares Inc.

National charter · OCC · 6 branches

Q2 2026

$200.2MAssets
$113.3MLoans
$176.9MDeposits
$22.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
  • Widest gap: nonperforming loans / loans trails 68% of banks under $1B in assets in OH (rank 47 of 68).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.22%

Rank 24 of 71

Net Interest Margin

3.92%

Rank 21 of 71

Efficiency Ratio

65.17%

Rank 30 of 71

Equity / Assets

11.03%

Rank 31 of 71

Non-interest income vs. expense

$1.1M$5.8MINCOMEEXPENSE
Unfavorable gap of $4.7M · efficiency ratio beats 59% of banks under $1B in assets in OH
Bank 65.17%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.22%0.62%1.02%1.39%Beats 66%24 / 71
Return on Equity11.07%5.62%10.07%13.60%Beats 55%32 / 71
Net Interest Margin3.92%2.93%3.56%4.07%Beats 70%21 / 71
Efficiency Ratio65.17%55.94%70.77%78.80%Beats 59%30 / 71
Asset Quality
Nonperforming Loans / Loans0.86%0.08%0.27%0.97%Beats 32%47 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%26 / 68
Capital
Tier 1 Capital Ratio19.99%11.18%13.77%20.34%Beats 72%20 / 71
Total Risk-Based Capital Ratio21.24%12.08%14.34%21.24%Beats 75%18 / 71
Equity / Assets11.03%8.41%10.74%13.32%Beats 56%31 / 71
Liquidity & Funding
Loans / Deposits64.07%64.48%76.81%87.49%22nd pctl53 / 68
Loans / Assets56.60%55.33%65.58%72.51%25th pctl53 / 71
Brokered Deposits / Depositsn/aNot reported for this institution