FNB Bank, Inc.

Romney, West VirginiaFDIC Cert #6794

STATEEstablished 19107 branches

Holding company: EASTERN 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	$24.7M
Investor CRE	$16.1M
Multifamily	$2.72M
Construction	$4.2M
1–4 family	$115M
C&I	$8.86M
Agriculture	$17.4M
Other	$18M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$207M

+4.5%y/y

Percentile by value94th percentileby value

FDICLNLSGR

Net loans

$205M

+4.5%y/y

Percentile by value94th percentileby value

FDICLNLSNET

Loans YoY

+4.47%

+1,804.7%y/y

Percentile by value44th percentileby value

FDICLNLSNET

L/D

84.6%

+0.1%y/y

Percentile by value73rd percentileby value

FDICLNLSNET + DEP

Loans/assets

75.3%

+2.3%y/y

Percentile by value80th percentileby value

FDICLNLSNET + ASSET

RE loans %

87.81%

+1.5%y/y

Percentile by value72nd 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

3,369points

−1.6%y/y

Peer standing15th percentile

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

Owner CRE %

11.93%

+4.0%y/y

Percentile by value62nd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

7.79%

−6.7%y/y

Percentile by value47th percentileby value

FDICLNRENROT + LNLSGR

C&I %

4.28%

+3.0%y/y

Percentile by value13th percentileby value

FDICLNCI + LNLSGR