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First Community Bank

Lester Prairie, MN · Cert 8535

FDIC · 2 branches

Q4 2025

$90.0MAssets
$39.1MLoans
$79.1MDeposits
$10.6MEquity
Loan mix
88%RE $33.0M11%C&I $4.2M1%Consumer $0.5MQ1 2024Q4 2025
Deposit mix
76%Interest-bearing $60.3M24%Noninterest $18.7MQ1 2024Q4 2025

Executive Summary

  • Earnings: ROA of 1.68%, up 98 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.99%, down 112 bps from a year ago.
  • Funding: loans stand at 49.49% of deposits as of Q4 2025.

Return on Assets (quarter, annualized)

1.68%+98 bps YoY

Net Interest Margin (quarter, annualized)

3.88%+77 bps YoY

Efficiency Ratio (quarter, annualized)

59.35%-1,514 bps YoY

Tier 1 Leverage Ratio

8.99%-112 bps YoY

NIM

4.19%Q4 ’234.16%Q4 ’244.74%Q4 ’25-3%+25%

Non-interest income vs. expense

2.35%Q4 ’232.53%Q4 ’243.51%Q4 ’250%+50%

Discrete quarter, annualized.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.62%0.93%0.75%0.70%0.50%0.60%-2.08%1.68%+98 bps
Return on Equity9.57%14.10%10.35%9.21%6.61%7.68%-21.39%14.46%+525 bps
Net Interest Margin2.86%3.01%3.13%3.11%3.01%3.54%-3.99%3.88%+77 bps
Efficiency Ratio74.69%74.70%71.62%74.50%80.53%79.84%63.69%59.35%-1,514 bps
Non-Interest Burden2.10%2.16%2.20%2.25%2.40%2.79%-3.47%3.38%+113 bps
Growth
Asset Growth (YoY)-4.85%-6.28%-3.75%-7.05%0.20%6.11%7.60%13.63%+2,068 bps
Loan Growth (YoY)-1.50%1.67%2.06%0.11%-1.12%3.26%-7.82%-2.87%-298 bps
Deposit Growth (YoY)-2.04%-3.88%-3.17%-4.31%-1.02%4.92%3.17%8.24%+1,255 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.00%0.00%0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans1.13%0.98%0.95%0.96%0.97%0.95%1.03%0.76%-20 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.01%9.88%9.96%10.10%10.18%10.21%8.52%8.99%-112 bps
Total Risk-Based Capital9.01%9.88%9.96%10.10%10.18%10.21%17.27%19.16%+906 bps
Equity / Assets6.49%6.72%7.73%7.41%7.65%7.85%11.49%11.73%+433 bps
Liquidity & Funding
Loans / Deposits53.39%53.11%54.43%55.16%53.34%52.27%48.63%49.49%-566 bps
Liquid Assets / Assets15.79%16.11%15.64%16.80%21.04%23.94%26.84%28.01%+1,121 bps
CRE / Total Capitaln/an/an/an/an/an/a221%207%n/a