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FNB Bank

Fontanelle, IA · Cert 954 · First Fontanelle Employee STK Ownership PLAN&TR

State charter, Fed member · FED · 5 branches

Q2 2026

$274.6MAssets
$227.8MLoans
$211.3MDeposits
$43.5MEquity
Loan mix
92%RE $131.6M6%C&I $9.1M1%Consumer $2.1MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $174.8M17%Noninterest $36.5MQ2 2025Q2 2026

NIM

4.76%Q2 ’245.14%Q2 ’255.40%Q2 ’26+23%+7%

Non-interest income vs. expense

2.59%Q2 ’242.33%Q2 ’252.34%Q2 ’26-10%+1%

Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 0.6% share · #23 of 28 inst. · $0.0B of $4.6B

46.8% Adair
2.9% Cass
0.7% Woodbury

Executive Summary

  • Earnings: ROA of 1.63%, up 20 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.02% of loans (+2 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 14.48%, up 103 bps from a year ago.
  • Funding: loans stand at 107.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.63%+20 bps YoY

Net Interest Margin (quarter, annualized)

4.07%+28 bps YoY

Efficiency Ratio (quarter, annualized)

53.12%-311 bps YoY

Tier 1 Leverage Ratio

14.48%+103 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.48%1.00%1.67%1.63%+20 bps
Return on Equity9.96%9.97%6.59%10.81%10.43%+47 bps
Net Interest Margin3.80%3.92%3.89%3.95%4.07%+28 bps
Efficiency Ratio56.23%54.52%68.13%52.69%53.12%-311 bps
Non-Interest Burden1.92%1.90%2.47%1.80%1.94%+2 bps
Growth
Asset Growth (YoY)1.65%1.86%0.21%0.17%1.35%-29 bps
Loan Growth (YoY)3.75%4.61%4.29%4.55%5.39%+164 bps
Deposit Growth (YoY)-2.07%-1.55%0.67%-0.10%-1.79%+28 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.02%0.02%0.03%0.02%+2 bps
Net Charge-Offs / Loans-0.04%-0.03%-0.13%-0.01%-0.01%+4 bps
Allowance / Loans2.01%1.98%1.98%1.95%1.94%-6 bps
Allowance Coverage of NPLsn/a103.6x107.9x56.0x110.6xn/a
Capital
Tier 1 Leverage Ratio13.45%13.96%14.29%14.20%14.48%+103 bps
Total Risk-Based Capital13.45%13.96%14.29%14.20%14.48%+103 bps
Equity / Assets14.73%14.94%15.44%15.45%15.85%+112 bps
Liquidity & Funding
Loans / Deposits100.45%105.50%105.08%102.75%107.79%+734 bps
Liquid Assets / Assets1.79%1.01%0.55%2.83%0.44%-135 bps
CRE / Total Capitaln/a29.34%29.63%30.16%n/an/a