First Independent Bank

Aurora, MissouriFDIC Cert #18380

STATEEstablished 19061 branch

Holding company: FIRST IND BANCSHARES INCRegulator: FDIC

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	$6.85M
Investor CRE	$4.74M
Multifamily	$218K
Construction	$2.99M
1–4 family	$36.1M
C&I	$10.8M
Agriculture	$6.7M
Other	$5.91M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$74.3M

+0.1%y/y

Percentile by value18th percentileby value

FDICLNLSGR

Net loans

$73.2M

−0.0%y/y

Percentile by value18th percentileby value

FDICLNLSNET

Loans YoY

−0.03%

−101.5%y/y

Percentile by value23rd percentileby value

FDICLNLSNET

L/D

57.8%

−2.8%y/y

Percentile by value22nd percentileby value

FDICLNLSNET + DEP

Loans/assets

51.3%

−3.7%y/y

Percentile by value24th percentileby value

FDICLNLSNET + ASSET

RE loans %

74.55%

−2.4%y/y

Percentile by value39th 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

2,760points

+3.8%y/y

Peer standing36th percentile

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

Owner CRE %

9.22%

−14.6%y/y

Percentile by value52nd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

6.38%

+45.2%y/y

Percentile by value42nd percentileby value

FDICLNRENROT + LNLSGR

C&I %

14.51%

+17.1%y/y

Percentile by value74th percentileby value

FDICLNCI + LNLSGR