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Tbo Bank

Orrick, MO · Cert 10597 · Northeast KS Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Kansas City, MO-KS area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Kansas City, MO-KS area (n=39 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

44

Q2 2024Q2 2026peer median (50)

Asset Quality

9

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

69

Q2 2024Q2 2026peer median

Efficiency

20

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Tbo Bank

Orrick, MO · Cert 10597 · Northeast KS Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)

Q2 2026

$224.8MAssets
$178.8MLoans
$195.8MDeposits
$22.7MEquity
Loan mix
37%RE $60.3M6%C&I $9.4M58%Consumer $94.6MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $144.6M26%Noninterest $51.1MQ2 2025Q2 2026

NIM

97.89%Q2 ’24117.62%Q2 ’2588.31%Q2 ’26+20%-25%

Non-interest income vs. expense

94.94%Q2 ’2483.61%Q2 ’2561.85%Q2 ’26-12%-27%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #48 of 114 inst. · $0.2B of $99.1B

0.6% Johnson
11.6% Ray

Executive Summary

  • Earnings: ROA of 0.74%, down 46 bps year over year; NIM at 86.54%.
  • Asset quality: problem loans at 1.69% of loans (+169 bps YoY), with net charge-offs at 31.89%.
  • Capital: tier 1 leverage ratio of 10.87%, down 87 bps from a year ago.
  • Funding: loans stand at 91.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%-46 bps YoY

Net Interest Margin (YTD, annualized)

86.54%-2,956 bps YoY

Efficiency Ratio (YTD, annualized)

70.82%-110 bps YoY

Tier 1 Leverage Ratio

10.87%-87 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.32%1.30%0.60%0.74%-46 bps
Return on Equity11.34%12.69%12.47%6.19%7.52%-383 bps
Net Interest Margin116.10%109.43%108.50%96.11%86.54%-2,956 bps
Efficiency Ratio71.92%68.82%67.89%68.91%70.82%-110 bps
Non-Interest Burden83.18%75.08%73.45%65.86%60.98%-2,220 bps
Growth
Asset Growth (YoY)69.91%66.29%52.28%51.10%10.38%-5,953 bps
Loan Growth (YoY)71.58%76.11%65.75%72.33%34.23%-3,735 bps
Deposit Growth (YoY)76.62%79.56%55.98%55.28%10.29%-6,633 bps
Asset Quality
Nonperforming Loans / Loans0.00%1.36%3.52%2.16%1.69%+169 bps
Net Charge-Offs / Loans33.96%34.82%41.12%38.79%31.89%-207 bps
Allowance / Loans5.70%7.14%5.93%4.52%3.44%-226 bps
Allowance Coverage of NPLsn/a5.2x1.7x2.1x2.0xn/a
Capital
Tier 1 Leverage Ratio11.74%11.30%10.98%11.29%10.87%-87 bps
Total Risk-Based Capital13.09%12.84%13.29%13.05%13.00%-9 bps
Equity / Assets9.02%10.14%10.51%8.99%10.10%+108 bps
Liquidity & Funding
Loans / Deposits75.05%86.27%85.61%75.72%91.33%+1,629 bps
Liquid Assets / Assets15.19%5.56%6.54%18.05%5.46%-972 bps
CRE / Total Capitaln/a118.62%139.22%238%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Tbo Bank

Orrick, MO · Cert 10597 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Northeast KS Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)

Q2 2026

$224.8MAssets
$178.8MLoans
$195.8MDeposits
$22.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 98% of banks under $1B in assets in the Kansas City, MO-KS area (rank 1 of 40).
  • Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets in the Kansas City, MO-KS area (rank 39 of 39).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.75%

Rank 35 of 40

Net Interest Margin

86.54%

Rank 1 of 40

Efficiency Ratio

70.90%

Rank 33 of 40

Equity / Assets

10.10%

Rank 20 of 40

Non-interest income vs. expense

$1.8M$129.9MINCOMEEXPENSE
Unfavorable gap of $128.0M · efficiency ratio beats 20% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 70.90%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.75%1.02%1.39%1.86%Beats 13%35 / 40
Return on Equity7.38%10.74%14.78%21.32%Beats 18%33 / 40
Net Interest Margin86.54%3.33%4.05%4.63%Beats 98%1 / 40
Efficiency Ratio70.90%51.70%58.10%69.29%Beats 20%33 / 40
Asset Quality
Nonperforming Loans / Loans1.69%0.05%0.20%1.11%Beats 15%34 / 39
Net Charge-Offs / Loans15.95%n/a0.00%0.05%Beats 3%39 / 39
Capital
Tier 1 Capital Ratio11.73%11.32%12.27%16.94%Beats 35%26 / 40
Total Risk-Based Capital Ratio13.00%11.32%13.09%17.63%Beats 48%21 / 40
Equity / Assets10.10%8.41%10.10%12.34%Beats 50%20 / 40
Liquidity & Funding
Loans / Deposits91.33%73.50%85.60%94.85%65th pctl14 / 40
Loans / Assets79.52%62.75%69.87%79.23%78th pctl9 / 40
Brokered Deposits / Depositsn/aNot reported for this institution