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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 $2.1MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $174.8M17%Noninterest $36.5MQ3 2024Q2 2026

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 1.65%, up 33 bps year over year; NIM at 4.00%.
  • 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.

Return on Assets (YTD, annualized)

1.65%+33 bps YoY

Net Interest Margin (YTD, annualized)

4.00%+33 bps YoY

Efficiency Ratio (YTD, annualized)

52.91%-585 bps YoY

Tier 1 Leverage Ratio

14.48%+103 bps YoY

NIM

4.64%Q2 ’245.05%Q2 ’255.34%Q2 ’26+22%+9%

Non-interest income vs. expense

2.59%Q2 ’242.37%Q2 ’252.33%Q2 ’26-8%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.85%1.21%1.32%1.37%1.28%1.67%1.65%+33 bps
Return on Equity5.80%6.25%8.67%9.31%9.53%8.79%10.81%10.61%+130 bps
Net Interest Margin3.11%3.13%3.56%3.68%3.79%3.82%3.95%4.00%+33 bps
Efficiency Ratio71.97%70.41%61.41%58.75%57.29%60.04%52.69%52.91%-585 bps
Non-Interest Burden2.07%2.02%1.98%1.95%1.95%2.08%1.80%1.87%-8 bps
Growth
Asset Growth (YoY)2.93%2.45%6.99%1.65%1.86%0.21%0.17%1.35%-29 bps
Loan Growth (YoY)2.32%3.11%6.70%3.75%4.61%4.29%4.55%5.39%+164 bps
Deposit Growth (YoY)6.88%-0.70%2.39%-2.07%-1.55%0.67%-0.10%-1.79%+28 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.02%0.02%0.03%0.02%+2 bps
Net Charge-Offs / Loans-0.05%-0.06%-0.12%-0.08%-0.06%-0.08%-0.01%-0.01%+7 bps
Allowance / Loans2.00%1.99%1.99%2.01%1.98%1.98%1.95%1.94%-6 bps
Allowance Coverage of NPLsn/an/an/an/a103.6x107.9x56.0x110.6xn/a
Capital
Tier 1 Leverage Ratio12.95%13.00%13.09%13.45%13.96%14.29%14.20%14.48%+103 bps
Total Risk-Based Capital12.95%13.00%13.09%13.45%13.96%14.29%14.20%14.48%+103 bps
Equity / Assets13.79%13.86%13.95%14.73%14.94%15.44%15.45%15.85%+112 bps
Liquidity & Funding
Loans / Deposits99.29%101.44%98.18%100.45%105.50%105.08%102.75%107.79%+734 bps
Liquid Assets / Assets0.65%0.80%2.58%1.79%1.01%0.55%2.83%0.44%-135 bps
CRE / Total Capitaln/an/an/an/a29.34%29.63%30.16%n/an/a