First Ottawa Bancshares · OTC:FOTB

First Ottawa Bancshares — Q4 2025 Earnings Presentation

6 slides from First Ottawa Bancshares's earnings presentation, Dec 31, 2025

  1. Slide 1: 2025 Fourth Quarter Highlights

    First Ottawa Bancshares, Inc. 2025 FOURTH QUARTER HIGHLIGHTS QTQ Growth YOY Growth  Total Assets $2.04B 4.61% 18.48% Strong Growth  Total Loans $1.65B 4.67% 15.84% Profile  Total Deposits $1.75B (0.19%) 15.41%  NIB Deposits $395MM 0.66% 0.41%  Total Personnel 165 5 6  EPS Qtr. $6.97 (11.57%) 6

  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 2,000.0 $1,718.1 $1,764.4 $1,848.8 $1,530.6 $1,580.0 $1,653.8 $1,427.6 $1,455.6 1,500.0 $MM 1,000.0 500.0 0.0 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2

  3. Slide 3: Balance Sheet Quarter End Results

    First Ottawa Bancshares, Inc. Balance Sheet Quarter End Results Quarter End Year End 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 12/31/2025 12/31/2024 12/31/2023 Assets Cash and Due from Banks 5,986 5,691 6,642 4,896 5,049 5,986 5,049 5,054 Interest Bearing Deposits in Financial Institutions

  4. Slide 4: Income Statement Quarter End Results

    First Ottawa Bancshares, Inc. Income Statement Quarter End Results Quarter End Year End 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 12/31/2025 12/31/2024 12/31/2023 Loans, Including fees 28,503 27,057 25,470 23,991 24,012 105,021 90,274 73,726 Securities Available for Sale: Taxable 2,392 2,6

  5. Slide 5: Selected Financial Metrics

    First Ottawa Bancshares, Inc. Selected Financial Metrics Quarter End Year End 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 12/31/2025 12/31/2024 12/31/2023 Selected Financial Metrics Loan to Deposit 94.71% 90.31% 93.43% 93.84% 94.36% 94.71% 94.36% 99.28% Return on Average Equity (Annualized)

  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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