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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