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First National Bank of Sycamore, The

Sycamore, OH · Cert 6706 · FNB Bancshares Inc.

National charter · OCC · 4 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

52

Q2 2024Q2 2026peer median (50)

Asset Quality

89

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

73

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 Sycamore, The

Sycamore, OH · Cert 6706 · FNB Bancshares Inc.

National charter · OCC · 4 branches

Q2 2026

$239.4MAssets
$153.1MLoans
$207.4MDeposits
$21.2MEquity
Loan mix
87%RE $126.5M10%C&I $14.3M3%Consumer $4.0MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $176.0M15%Noninterest $31.3MQ2 2025Q2 2026

NIM

4.24%Q2 ’244.45%Q2 ’254.74%Q2 ’26+10%+12%

Non-interest income vs. expense

2.09%Q2 ’242.00%Q2 ’252.02%Q2 ’26-4%+1%

Executive Summary

  • Earnings: ROA of 1.22%, up 24 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.06% of loans (+6 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.96%, up 85 bps from a year ago.
  • Funding: loans stand at 73.82% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.22%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+35 bps YoY

Efficiency Ratio (YTD, annualized)

56.93%-571 bps YoY

Tier 1 Leverage Ratio

9.96%+85 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.02%1.04%1.16%1.22%+24 bps
Return on Equity13.93%14.07%13.93%13.79%14.18%+25 bps
Net Interest Margin2.99%3.04%3.10%3.36%3.35%+35 bps
Efficiency Ratio62.64%61.58%60.54%56.29%56.93%-571 bps
Non-Interest Burden1.79%1.78%1.78%1.78%1.80%+1 bps
Growth
Asset Growth (YoY)8.73%5.47%4.51%0.67%2.47%-626 bps
Loan Growth (YoY)8.33%8.49%11.75%13.81%13.29%+496 bps
Deposit Growth (YoY)9.81%7.48%3.58%-1.05%0.36%-944 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.03%0.05%0.06%+6 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans1.05%1.04%1.06%1.05%1.04%-2 bps
Allowance Coverage of NPLsn/a18.6x30.7x20.4x17.3xn/a
Capital
Tier 1 Leverage Ratio9.10%9.36%9.43%9.85%9.96%+85 bps
Total Risk-Based Capital16.34%16.40%16.28%16.43%16.63%+29 bps
Equity / Assets6.92%7.85%8.35%8.52%8.86%+194 bps
Liquidity & Funding
Loans / Deposits65.39%66.58%71.42%71.08%73.82%+842 bps
Liquid Assets / Assets3.02%1.44%1.26%4.13%3.79%+78 bps
CRE / Total Capitaln/a215%231%233%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 Sycamore, The

Sycamore, OH · Cert 6706 · Peer group: banks under $1B in assets in OH (n=68-71) · FNB Bancshares Inc.

National charter · OCC · 4 branches

Q2 2026

$239.4MAssets
$153.1MLoans
$207.4MDeposits
$21.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
  • Widest gap: equity / assets trails 70% of banks under $1B in assets in OH (rank 50 of 71).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.21%

Rank 25 of 71

Net Interest Margin

3.35%

Rank 45 of 71

Efficiency Ratio

56.93%

Rank 20 of 71

Equity / Assets

8.86%

Rank 50 of 71

Non-interest income vs. expense

$0.5M$5.0MINCOMEEXPENSE
Unfavorable gap of $4.4M · efficiency ratio beats 73% of banks under $1B in assets in OH
Bank 56.93%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%0.62%1.02%1.39%Beats 65%25 / 71
Return on Equity13.60%5.62%10.07%13.60%Beats 76%17 / 71
Net Interest Margin3.35%2.93%3.56%4.07%Beats 37%45 / 71
Efficiency Ratio56.93%55.94%70.77%78.80%Beats 73%20 / 71
Asset Quality
Nonperforming Loans / Loans0.06%0.08%0.27%0.97%Beats 78%16 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%26 / 68
Capital
Tier 1 Capital Ratio15.54%11.18%13.77%20.34%Beats 62%27 / 71
Total Risk-Based Capital Ratio16.63%12.08%14.34%21.24%Beats 65%25 / 71
Equity / Assets8.86%8.41%10.74%13.32%Beats 30%50 / 71
Liquidity & Funding
Loans / Deposits73.82%64.48%76.81%87.49%44th pctl38 / 68
Loans / Assets63.94%55.33%65.58%72.51%48th pctl37 / 71
Brokered Deposits / Depositsn/aNot reported for this institution