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Stockmens Bank

Colorado Springs, CO · Cert 8321 · First Bancshares Inc.

State charter, non-member · FDIC · 13 branches

Q2 2026

$650.8MAssets
$556.6MLoans
$567.4MDeposits
$69.0MEquity
Loan mix
89%RE $422.1M11%C&I $50.0M1%Consumer $3.1MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $420.7M26%Noninterest $146.8MQ2 2025Q2 2026

NIM

6.11%Q2 ’246.03%Q2 ’256.08%Q2 ’26+6%+7%

Non-interest income vs. expense

2.42%Q2 ’242.67%Q2 ’252.58%Q2 ’26+11%-1%

Market Position · Colorado Springs, CO · 2026 SOD (annual) · 1.7% share · #14 of 41 inst. · $0.2B of $10.7B

1.8% El Paso
20.7% Wright
7.0% Webster
16.6% Douglas

Executive Summary

  • Earnings: ROA of 1.48%, up 8 bps year over year; NIM at 4.59%.
  • Asset quality: problem loans at 0.18% of loans (-14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.63%, down 64 bps from a year ago.
  • Funding: loans stand at 98.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%+8 bps YoY

Net Interest Margin (YTD, annualized)

4.59%+29 bps YoY

Efficiency Ratio (YTD, annualized)

54.01%-352 bps YoY

Tier 1 Leverage Ratio

10.63%-64 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.40%1.44%1.46%1.55%1.48%+8 bps
Return on Equity12.42%12.79%12.94%13.40%13.16%+73 bps
Net Interest Margin4.30%4.26%4.30%4.62%4.59%+29 bps
Efficiency Ratio57.53%56.21%55.52%53.06%54.01%-352 bps
Non-Interest Burden2.36%2.28%2.27%2.35%2.35%-2 bps
Growth
Asset Growth (YoY)5.75%10.75%5.04%10.93%18.97%+1,322 bps
Loan Growth (YoY)3.73%10.20%18.32%14.96%22.96%+1,924 bps
Deposit Growth (YoY)3.51%9.12%2.68%9.25%20.24%+1,673 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.31%0.28%0.51%0.18%-14 bps
Net Charge-Offs / Loans0.00%0.00%-0.02%0.06%0.00%0 bps
Allowance / Loans1.60%1.58%1.56%1.58%1.56%-4 bps
Allowance Coverage of NPLs5.0x5.1x5.6x3.1x8.7x+3.6x
Capital
Tier 1 Leverage Ratio11.26%11.25%11.34%11.59%10.63%-64 bps
Total Risk-Based Capital14.31%14.18%14.25%14.55%12.27%-204 bps
Equity / Assets11.33%11.17%11.65%11.51%10.60%-72 bps
Liquidity & Funding
Loans / Deposits95.91%95.63%104.47%99.16%98.08%+218 bps
Liquid Assets / Assets9.72%10.46%3.29%8.22%8.27%-145 bps
CRE / Total Capitaln/a205%197.54%197.37%n/an/a