FNB Bank

Fontanelle, IowaFDIC Cert #954

STATEEstablished 19055 branches

Holding company: FIRST FONTANELLE EMPLOYEE STK OWNERSHIP PLAN&TRRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$0
Investor CRE	$10.9M
Multifamily	$0
Construction	$755K
1–4 family	$23.9M
C&I	$9.09M
Agriculture	$176M
Other	$6.04M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$227M

+4.6%y/y

Percentile by value98th percentileby value

FDICLNLSGR

Net loans

$222M

+4.6%y/y

Percentile by value98th percentileby value

FDICLNLSNET

Loans YoY

+4.59%

−31.0%y/y

Percentile by value47th percentileby value

FDICLNLSNET

L/D

100.7%

+4.7%y/y

Percentile by value93rd percentileby value

FDICLNLSNET + DEP

Loans/assets

80.2%

+4.4%y/y

Percentile by value89th percentileby value

FDICLNLSNET + ASSET

RE loans %

58.63%

+1.2%y/y

Percentile by value16th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,191points

+2.9%y/y

Peer standing25th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

4.80%

−2.4%y/y

Percentile by value33rd percentileby value

FDICLNRENROT + LNLSGR

C&I %

4.01%

−3.9%y/y

Percentile by value17th percentileby value

FDICLNCI + LNLSGR