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Preferred Bank

Rothville, MO · Cert 10628 · Bor Bcorp

State charter, non-member · FDIC · 5 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

1

Q2 2024Q2 2026peer median

Efficiency

30

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

Preferred Bank

Rothville, MO · Cert 10628 · Bor Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

$134.5MAssets
$62.5MLoans
$126.2MDeposits
$6.0MEquity
Loan mix
89%RE $50.8M6%C&I $3.5M5%Consumer $3.1MQ3 2024Q2 2026
Deposit mix
68%Interest-bearing $85.6M32%Noninterest $40.6MQ3 2024Q2 2026

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #88 of 114 inst. · $0.1B of $99.1B

7.4% Linn
3.5% Lafayette
0.1% Jackson
6.0% Chariton

Executive Summary

  • Earnings: ROA of 0.98%, up 17 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.18% of loans (+8 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 7.56%, up 4 bps from a year ago.
  • Funding: loans stand at 49.49% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.98%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+28 bps YoY

Efficiency Ratio (YTD, annualized)

66.98%-158 bps YoY

Tier 1 Leverage Ratio

7.56%+4 bps YoY

NIM

3.76%Q2 ’243.97%Q2 ’254.09%Q2 ’26+8%+9%

Non-interest income vs. expense

2.23%Q2 ’242.28%Q2 ’252.42%Q2 ’26+4%+7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.72%0.74%0.81%0.91%0.88%0.97%0.98%+17 bps
Return on Equity22.21%21.02%21.63%23.54%24.60%22.60%20.97%21.36%-218 bps
Net Interest Margin2.77%2.83%2.91%3.00%3.27%3.30%3.23%3.28%+28 bps
Efficiency Ratio70.47%72.21%68.47%68.57%66.63%68.15%66.37%66.98%-158 bps
Non-Interest Burden1.85%1.94%1.89%1.95%2.04%2.12%2.03%2.08%+14 bps
Growth
Asset Growth (YoY)-0.34%-2.32%-0.24%-2.30%-5.54%-1.23%0.27%1.01%+331 bps
Loan Growth (YoY)6.25%5.70%9.58%16.43%15.57%17.22%12.31%7.77%-866 bps
Deposit Growth (YoY)-3.39%-4.49%-0.63%-0.08%-3.16%-1.45%-0.37%-1.67%-158 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.02%0.26%0.10%0.00%0.99%1.08%0.18%+8 bps
Net Charge-Offs / Loans0.04%0.04%0.01%0.01%0.02%0.02%0.00%0.02%0 bps
Allowance / Loans0.88%0.88%0.85%0.82%0.81%0.82%0.83%0.82%0 bps
Allowance Coverage of NPLs35.2x51.0x3.2x8.2x486.0x0.8x0.8x4.6x-3.7x
Capital
Tier 1 Leverage Ratio7.59%7.65%7.55%7.52%8.11%8.07%7.66%7.56%+4 bps
Total Risk-Based Capital19.18%21.38%21.98%19.60%19.38%18.91%19.03%18.62%-98 bps
Equity / Assets4.21%3.48%3.38%3.42%4.48%4.78%4.52%4.43%+101 bps
Liquidity & Funding
Loans / Deposits41.10%43.11%42.15%45.15%49.05%51.27%47.52%49.49%+434 bps
Liquid Assets / Assets0.17%5.96%14.67%10.03%5.69%3.03%10.17%7.11%-293 bps
CRE / Total Capitaln/an/an/an/a64.39%72.41%73.97%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

Preferred Bank

Rothville, MO · Cert 10628 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Bor Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

$134.5MAssets
$62.5MLoans
$126.2MDeposits
$6.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 83% of banks under $1B in assets in the Kansas City, MO-KS area (rank 7 of 40).
  • Widest gap: equity / assets trails 97% of banks under $1B in assets in the Kansas City, MO-KS area (rank 39 of 40).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.98%

Rank 32 of 40

Net Interest Margin

3.28%

Rank 32 of 40

Efficiency Ratio

66.98%

Rank 29 of 40

Equity / Assets

4.43%

Rank 39 of 40

Non-interest income vs. expense

$0.5M$3.4MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 30% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 66.98%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.98%1.02%1.39%1.86%Beats 20%32 / 40
Return on Equity22.06%10.74%14.78%21.32%Beats 83%7 / 40
Net Interest Margin3.28%3.33%4.05%4.63%Beats 20%32 / 40
Efficiency Ratio66.98%51.70%58.10%69.29%Beats 30%29 / 40
Asset Quality
Nonperforming Loans / Loans0.18%0.05%0.20%1.11%Beats 54%19 / 39
Net Charge-Offs / Loans0.01%n/a0.00%0.05%Beats 36%26 / 39
Capital
Tier 1 Capital Ratio17.71%11.32%12.27%16.94%Beats 80%8 / 40
Total Risk-Based Capital Ratio18.62%11.32%13.09%17.63%Beats 80%8 / 40
Equity / Assets4.43%8.41%10.10%12.34%Beats 3%39 / 40
Liquidity & Funding
Loans / Deposits49.49%73.50%85.60%94.85%10th pctl36 / 40
Loans / Assets46.45%62.75%69.87%79.23%10th pctl36 / 40
Brokered Deposits / Depositsn/aNot reported for this institution