First Ottawa Bancshares · OTC:FOTB

First Ottawa Bancshares — Q3 2025 Earnings Presentation

6 slides from First Ottawa Bancshares's earnings presentation, Sep 30, 2025

  1. Slide 1: 2025 Third Quarter Highlights

    First Ottawa Bancshares, Inc. 2025 THIRD QUART ER HIGHLIGHTS QTQ Growth YOY Growth  Total Assets $1.95B 5.25% 16.33% Strong Growth  Total Loans $1.58B 3.23% 14.60% Profile  Total Deposits $1.75B 6.79% 18.04%  NIB Deposits $392MM 1.85% 6.35%  Total Personnel 160 (1) 2  TTM EPS $26.08 7.50% 38.5

  2. Slide 2: Continued Balance Sheet Growth and Strong Earnings

    First Ottawa Bancshares, Inc. Continued Balance Sheet Growth and Strong Earnings ASSET AND LOAN GROWTH 2,500.0 Assets Loans $1,848.8 $1,945.9 2,000.0 $1,672.7 $1,718.1 $1,764.4 $1,455.6 $1,530.6 $1,580.0 $1,378.7 $1,427.6 1,500.0 $MM 1,000.0 500.0 0.0 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/20

  3. Slide 3: Balance Sheet Quarter End Results

    First Ottawa Bancshares, Inc. Balance Sheet Quarter End Results Quarter End End Quarter 9/30/2025 6/30/2025 3/31/2025 12/31/2024 9/30/2024 Assets Cash and Due from Banks 5,691 6,642 4,896 5,049 4,950 Interest Bearing Deposits in Financial Institutions 86,097 44,273 39,064 24,501 33,807 Cash and Cash

  4. Slide 4: Income Statement Quarter End Results

    First Ottawa Bancshares, Inc. Income Statement Quarter End Results Quarter End 9/30/2025 6/30/2025 3/31/2025 12/31/2024 9/30/2024 Loans, Including fees 27,057 25,470 23,991 24,012 23,546 Securities Available for Sale: Taxable 2,637 2,010 2,530 2,618 2,110 Exempt from Federal Tax 21 21 21 22 19 Other

  5. Slide 5: Selected Financial Metrics

    First Ottawa Bancshares, Inc. Selected Financial Metrics Quarter End 9/30/2025 6/30/2025 3/31/2025 12/31/2024 9/30/2024 Earnings Per Share (Annualized) $26.40 $23.92 $23.44 $20.79 $18.92 Selected Financial Metrics Loan to Deposit 90.31% 93.43% 93.84% 94.36% 93.02% Return on Average Equity (Annualize

  6. Slide 6: Special Note Concerning Forward-Looking Statements

    First Ottawa Bancshares, Inc. Special Note Concerning Forward-Looking Statements. This document contains, and future oral and written statements of the Company and its management may contain, forward-looking statements with respect to the financial condition, results of operations, plans, objectives

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