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FNB Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 954

Designations: ✓ CDFI-certified

Fontanelle, IA

5 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits -1.8% year over year ($211.3M on the books).
  • Delinquency rate 0.02%.
  • Return on assets 2.03%.
  • Efficiency ratio 52.91% vs a 64.48% peer average.
  • Loan-to-deposit ratio 105.70% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

FNB Bank has 4 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 13.3% in tier
  • + Profitability Leader: Top 27.8% in tier
  • + Net Interest Margin 0.23% above tier average
  • + Efficiency Ratio 11.57% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.7% in tier
  • - Credit Risk Growth: Bottom 15.7% in tier
  • - Deposit Outflow: Bottom 16.8% in tier
  • - Loan-to-Deposit Ratio 27.75% above tier average
Get updates when FNB Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $274.6M
+1.4% YoY -1.0% QoQ
-$111.9M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
41%
Total Loans ? $223.3M
+5.5% YoY +0.4% QoQ
-$35.0M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
53%
Total Deposits ? $211.3M
-1.8% YoY -4.3% QoQ
-$115.4M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
37%
Return on Assets ? 2.03%
+25.8% YoY -0.9% QoQ
+0.70% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
Top 12.7% in tier
Net Interest Margin ? 4.22%
+9.5% YoY +2.0% QoQ
+0.23% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
66%
Efficiency Ratio ? 52.91%
-10.0% YoY +0.4% QoQ
-11.57% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
77%
Delinquency Rate ? 0.02%
-49.6% QoQ
-0.90% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
84%
Loan-to-Deposit Ratio ? 105.70%
+7.4% YoY +4.9% QoQ
+27.75% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
Bottom 5.4% in tier
Non-Interest-Bearing Deposit Share ? 17.27%
-12.9% YoY -8.6% QoQ
-4.76% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
33%
Nonperforming Asset Ratio ? 0.01%
-48.9% QoQ
-0.65% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
Top 14.7% in tier
Tier 1 Capital Ratio ? 14.48%
+7.7% YoY +2.0% QoQ
-1.43% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
62%
Non-Interest Income / Assets ? 0.23%
+8.0% YoY +78.7% QoQ
-0.33% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
59%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 17.3%
-2.6pp YoY
-1.6pp QoQ
 -4.9pp 22.1% 17.8% 22.2% 33%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 4.2%
-0.3pp YoY
+0.1pp QoQ
 -7.4pp 11.6% 12.8% 12.5% 15%
CRE n/a n/a 39.5% 28.3% 41.4% n/a
1-4 Family 11.1%
0.0pp YoY
+0.4pp QoQ
 -21.5pp 32.6% 23.0% 31.3% 12%
Consumer 0.7%
-0.4pp YoY
-0.2pp QoQ
 -3.4pp 4.1% 2.9% 5.0% 21%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.4% 19.7% n/a
Leverage Ratio 14.5%
+1.0pp YoY
+0.3pp QoQ
 +2.3pp 12.2% 12.4% 12.6% 84%
Total Capital Ratio n/a n/a 19.9% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 38
-4 (-9.5%) YoY
0 QoQ
 -21 58 64 482 39%
Assets per Employee ($) $7.2M
+12.0% YoY
-1.0% QoQ
 -$291K $7.5M $8.9M $8.8M 56%
Branch Count 5
0 YoY
0 QoQ
 0 4 5 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.0%
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 5%
Allowance Coverage 110.60x
+97.4% QoQ
 +86.45x 24.15x 18.97x 20.23x 97%
Net Charge-off Rate (YTD) -0.0%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 15%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 13.0%
+1.7pp YoY
-0.2pp QoQ
 +0.8pp 12.2% 12.8% 11.6% 56%
Cost of Funds (YTD) 1.5%
0.0pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 36%
Net Income ($, YTD) $2.8M
+26.5% YoY
— QoQ
 +$234K $2.6M $4.0M $40.4M 67%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth
#89 of 659 • Top 13.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Profitability Leader

growth
#185 of 661 • Top 27.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.03%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (3)

Credit Quality Pressure

risk
#48 of 1256 • Bottom 3.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#148 of 936 • Bottom 15.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#91 of 535 • Bottom 16.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

337
Return on Assets
profitability
Value: 2.03%
Peer Median: 1.32%
#337 of 2643 Top 12.7% in $100M-$1B
389
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#389 of 2643 Top 14.7% in $100M-$1B
414
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.92%
#414 of 2633 Top 15.7% in $100M-$1B
606
Efficiency Ratio
profitability
Value: 52.91%
Peer Median: 64.48%
#606 of 2643 Top 22.9% in $100M-$1B

Top Weaknesses (1 metrics)

2500
Loan-to-Deposit Ratio
liquidity
Value: 105.70%
Peer Median: 77.95%
#2500 of 2643 Bottom 5.4% in $100M-$1B
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