First Ottawa Bancshares · OTC:FOTB

First Ottawa Bancshares — Q1 2026 Earnings Presentation

6 slides from First Ottawa Bancshares's earnings presentation, Mar 31, 2026

  1. Slide 1: 2026 First Quarter Highlights

    First Ottawa Bancshares, Inc. 2026 FIRST QUART ER HIGHLIGHT S QTQ Growth YOY Growth  Total Assets $2.04B 0.14% 15.53% Strong Growth  Total Loans $1.67B 0.96% 14.70% Profile  Total Deposits $1.83 4.57% 17.71%  NIB Deposits $407 3.05% 7.86%  Total Personnel 161 (4) 5  EPS Qtr. $6.03 -13.41% 4.38

  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 $1,945.9 $2,035.6 $2,038.5 2,000.0 $1,764.4 $1,848.8 $1,530.6 $1,580.0 $1,653.8 $1,669.7 $1,455.6 1,500.0 $MM 1,000.0 500.0 0.0 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/20

  3. Slide 3: Balance Sheet Quarter End Results

    First Ottawa Bancshares, Inc. Balance Sheet Quarter End Results Quarter End 3/31/2026 12/31/2025 9/30/2025 6/30/2025 3/31/2025 Assets Cash and Due from Banks 6,494 5,986 5,691 6,642 4,896 Interest Bearing Deposits in Financial Institutions 33,890 28,250 86,097 44,273 39,064 Cash and Cash Equivalents

  4. Slide 4: Income Statement Quarter End Results

    First Ottawa Bancshares, Inc. Income Statement Quarter End Results Quarter End 3/31/2026 12/31/2025 9/30/2025 6/30/2025 3/31/2025 Loans, Including fees 28,369 28,503 27,057 25,470 23,991 Securities Available for Sale: Taxable 1,968 2,392 2,637 2,010 2,530 Exempt from Federal Tax 19 20 21 21 21 Other

  5. Slide 5: Selected Financial Metrics

    First Ottawa Bancshares, Inc. Selected Financial Metrics Quarter End 3/31/2026 12/31/2025 9/30/2025 6/30/2025 3/31/2025 Selected Financial Metrics Loan to Deposit 91.44% 94.71% 90.31% 93.43% 93.84% Return on Average Equity (Annualized) 16.40% 19.58% 20.40% 18.93% 18.93% Return on Average Assets 1.13

  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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