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Letter portraitLegal landscapeQuarterYTD

FNB Bank, Inc.

Romney, WV · Cert 6794 · Eastern Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$277.9MAssets
$210.2MLoans
$247.8MDeposits
$26.0MEquity
Loan mix
87%RE $178.4M4%C&I $8.9M8%Consumer $17.4MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $199.8M19%Noninterest $47.9MQ2 2025Q2 2026

NIM

4.72%Q2 ’244.94%Q2 ’255.17%Q2 ’26+15%+11%

Non-interest income vs. expense

2.85%Q2 ’243.02%Q2 ’252.99%Q2 ’26+8%-2%

Market Position · Winchester, VA-WV · 2026 SOD (annual) · 6.4% share · #7 of 13 inst. · $0.2B of $3.5B

44.8% Hampshire
6.1% Mineral
0.6% Frederick

Executive Summary

  • Earnings: ROA of 0.99%, up 28 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.45% of loans (-8 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 10.60%, up 22 bps from a year ago.
  • Funding: loans stand at 84.82% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.99%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+35 bps YoY

Efficiency Ratio (YTD, annualized)

68.90%-702 bps YoY

Tier 1 Leverage Ratio

10.60%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.75%0.85%0.89%0.99%+28 bps
Return on Equity8.15%8.54%9.59%9.73%10.79%+264 bps
Net Interest Margin3.34%3.36%3.45%3.59%3.69%+35 bps
Efficiency Ratio75.92%74.33%72.17%71.17%68.90%-702 bps
Non-Interest Burden2.38%2.33%2.32%2.38%2.34%-4 bps
Growth
Asset Growth (YoY)1.59%3.09%5.90%2.17%4.59%+301 bps
Loan Growth (YoY)4.53%5.67%5.65%4.46%3.05%-148 bps
Deposit Growth (YoY)3.39%6.33%7.64%4.36%7.49%+410 bps
Asset Quality
Nonperforming Loans / Loans0.53%0.48%0.43%0.43%0.45%-8 bps
Net Charge-Offs / Loans0.21%0.20%0.16%0.01%0.23%+3 bps
Allowance / Loans1.03%1.01%1.04%1.07%0.97%-6 bps
Allowance Coverage of NPLs1.9x2.1x2.4x2.5x2.1x+0.2x
Capital
Tier 1 Leverage Ratio10.38%10.45%10.24%10.49%10.60%+22 bps
Total Risk-Based Capital10.38%10.45%10.24%10.49%10.60%+22 bps
Equity / Assets8.84%9.09%9.06%9.22%9.35%+52 bps
Liquidity & Funding
Loans / Deposits88.48%87.83%85.91%85.52%84.82%-365 bps
Liquid Assets / Assets1.54%1.54%1.71%1.68%1.87%+32 bps
CRE / Total Capitaln/a168.12%167.84%166.23%n/an/a