First Ottawa Bancshares · OTC:FOTB

First Ottawa Bancshares — Q2 2026 Earnings Presentation

6 slides from First Ottawa Bancshares's earnings presentation, Jun 30, 2026

  1. Slide 1: 2026 Second Quarter Highlights

    First Ottawa Bancshares, Inc. 2026 SECOND QUARTER HIGHLIGHTS QTQ Growth YOY Growth  Total Assets $2.07B 01.56% 11.98% Strong Growth  Total Loans $1.73B 3.51% 12.92% Profile  Total Deposits $1.84B 0.81% 12.36%  NIB Deposits $0.44B 7.54% 13.61%  Total Personnel 174 13 13  EPS Qtr. $7.10 17.69% 1

  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 $2,035.6 $2,038.5 $2,070.4 2,000.0 $1,848.8 $1,945.9 $1,728.3 $1,530.6 $1,580.0 $1,653.8 $1,669.7 1,500.0 $MM 1,000.0 500.0 0.0 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/20

  3. Slide 3: Balance Sheet Quarter End Results

    First Ottawa Bancshares, Inc. Balance Sheet Quarter End Results Quarter End 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 Assets Cash and Due from Banks 7,242 6,494 5,986 5,691 6,642 Interest Bearing Deposits in Financial Institutions 28,729 33,890 28,250 86,097 44,273 Cash and Time Deposits at

  4. Slide 4: Income Statement Quarter End Results

    First Ottawa Bancshares, Inc. Income Statement Quarter End Results Quarter End 6/30/2026 3/31/2025 12/31/2025 9/30/2025 6/30/2025 Loans, Including fees 29,647 28,369 28,503 27,057 25,470 Securities Available for Sale: Taxable 2,774 1,968 2,392 2,637 2,010 Exempt from Federal Tax 19 19 20 21 21 Other

  5. Slide 5: Selected Financial Metrics

    First Ottawa Bancshares, Inc. Selected Financial Metrics Quarter End 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 Selected Financial Metrics Loan to Deposit 93.89% 91.44% 94.71% 90.31% 93.43% Return on Average Equity (Annualized) 16.94% 16.40% 19.58% 20.40% 18.93% Return on Average Assets 1.22

  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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