PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $4.0MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $176.0M15%Noninterest $31.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.80%0.91%0.98%1.02%1.04%1.16%1.22%+24 bps
Return on Equity10.33%10.88%12.88%13.93%14.07%13.93%13.79%14.18%+25 bps
Net Interest Margin2.80%2.81%2.99%2.99%3.04%3.10%3.36%3.35%+35 bps
Efficiency Ratio68.60%68.24%64.48%62.64%61.58%60.54%56.29%56.93%-571 bps
Non-Interest Burden1.84%1.84%1.85%1.79%1.78%1.78%1.78%1.80%+1 bps
Growth
Asset Growth (YoY)10.67%6.35%10.71%8.73%5.47%4.51%0.67%2.47%-626 bps
Loan Growth (YoY)9.86%5.60%5.01%8.33%8.49%11.75%13.81%13.29%+496 bps
Deposit Growth (YoY)10.97%13.46%17.86%9.81%7.48%3.58%-1.05%0.36%-944 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.00%0.00%0.00%0.06%0.03%0.05%0.06%+6 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans1.09%1.10%1.08%1.05%1.04%1.06%1.05%1.04%-2 bps
Allowance Coverage of NPLs29.0xn/an/an/a18.6x30.7x20.4x17.3xn/a
Capital
Tier 1 Leverage Ratio9.30%9.04%9.08%9.10%9.36%9.43%9.85%9.96%+85 bps
Total Risk-Based Capital16.47%16.49%16.50%16.34%16.40%16.28%16.43%16.63%+29 bps
Equity / Assets7.75%7.21%6.95%6.92%7.85%8.35%8.52%8.86%+194 bps
Liquidity & Funding
Loans / Deposits65.96%66.20%61.80%65.39%66.58%71.42%71.08%73.82%+842 bps
Liquid Assets / Assets6.12%4.12%7.84%3.02%1.44%1.26%4.13%3.79%+78 bps
CRE / Total Capitaln/an/an/an/a215%231%233%n/an/a