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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

6.06%Q2 ’246.19%Q2 ’256.20%Q2 ’26+10%+5%

Non-interest income vs. expense

2.46%Q2 ’242.82%Q2 ’252.67%Q2 ’26+15%-2%

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 1.42%, down 3 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 0.18% of loans (-14 bps YoY), with net recoveries of 0.06%.
  • 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 (quarter, annualized)

1.42%-3 bps YoY

Net Interest Margin (quarter, annualized)

4.66%+23 bps YoY

Efficiency Ratio (quarter, annualized)

54.93%-371 bps YoY

Tier 1 Leverage Ratio

10.63%-64 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.45%1.52%1.53%1.55%1.42%-3 bps
Return on Equity12.76%13.54%13.40%13.40%12.88%+12 bps
Net Interest Margin4.43%4.47%4.68%4.62%4.66%+23 bps
Efficiency Ratio58.64%53.74%53.64%53.06%54.93%-371 bps
Non-Interest Burden2.47%2.27%2.39%2.35%2.41%-6 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 / Loans-0.01%0.00%-0.10%0.06%-0.06%-5 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