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Commercial Bank

Parsons, KS · Cert 11777

State charter, non-member · FDIC · 8 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 KS3

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 KS (n=98). 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

50

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

18

Q2 2024Q2 2026peer median

Efficiency

13

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

Commercial Bank

Parsons, KS · Cert 11777

State charter, non-member · FDIC · 8 branches

Q2 2026

$382.2MAssets
$175.0MLoans
$354.2MDeposits
$25.9MEquity
Loan mix
63%RE $98.8M23%C&I $35.7M15%Consumer $22.9MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $291.5M18%Noninterest $62.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.67%, down 74 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.72% of loans (-31 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.33%, down 49 bps from a year ago.
  • Funding: loans stand at 49.41% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.67%-74 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+14 bps YoY

Efficiency Ratio (YTD, annualized)

70.80%+375 bps YoY

Tier 1 Leverage Ratio

8.33%-49 bps YoY

NIM

3.87%Q2 ’244.16%Q2 ’254.24%Q2 ’26+10%+5%

Non-interest income vs. expense

2.80%Q2 ’242.74%Q2 ’252.74%Q2 ’26-6%+21%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.93%1.62%1.41%1.58%1.65%0.77%0.67%-74 bps
Return on Equity14.20%13.66%24.16%21.03%22.44%22.56%9.79%8.99%-1,204 bps
Net Interest Margin2.78%2.74%3.03%3.06%3.16%3.12%3.14%3.20%+14 bps
Efficiency Ratio73.55%73.64%65.07%67.05%64.14%64.04%68.63%70.80%+375 bps
Non-Interest Burden1.77%1.75%1.56%1.71%1.54%1.54%1.84%2.07%+36 bps
Growth
Asset Growth (YoY)0.19%1.48%6.61%4.28%2.33%4.90%3.30%4.38%+10 bps
Loan Growth (YoY)0.61%-2.39%-0.63%-3.19%-2.35%1.68%3.73%2.53%+572 bps
Deposit Growth (YoY)-2.93%1.29%6.58%3.87%5.62%2.96%2.48%4.36%+49 bps
Asset Quality
Nonperforming Loans / Loans2.06%1.95%1.90%1.03%0.89%0.82%0.71%0.72%-31 bps
Net Charge-Offs / Loans0.11%0.11%0.02%0.03%0.04%0.16%0.00%0.00%-3 bps
Allowance / Loans1.40%1.42%1.36%1.36%1.37%1.26%1.30%1.33%-3 bps
Allowance Coverage of NPLs0.7x0.7x0.7x1.3x1.5x1.5x1.8x1.9x+0.5x
Capital
Tier 1 Leverage Ratio10.14%9.73%9.27%8.82%9.62%9.97%9.20%8.33%-49 bps
Total Risk-Based Capital18.45%18.53%18.07%17.48%18.26%19.20%17.53%17.45%-4 bps
Equity / Assets7.89%6.72%6.70%6.73%7.96%8.34%7.36%6.78%+4 bps
Liquidity & Funding
Loans / Deposits56.49%50.86%49.35%50.29%52.23%50.23%49.95%49.41%-88 bps
Liquid Assets / Assets2.04%7.76%8.16%5.11%3.89%5.25%5.34%3.07%-204 bps
CRE / Total Capitaln/an/an/an/a65.78%64.51%74.80%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

Commercial Bank

Parsons, KS · Cert 11777 · Peer group: banks under $1B in assets in KS (n=98)

State charter, non-member · FDIC · 8 branches

Q2 2026

$382.2MAssets
$175.0MLoans
$354.2MDeposits
$25.9MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 74% of banks under $1B in assets in KS (rank 25 of 98).
  • Widest gap: equity / assets trails 94% of banks under $1B in assets in KS (rank 92 of 98).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.67%

Rank 92 of 98

Net Interest Margin

3.20%

Rank 78 of 98

Efficiency Ratio

70.80%

Rank 86 of 98

Equity / Assets

6.78%

Rank 92 of 98

Non-interest income vs. expense

$2.7M$10.9MINCOMEEXPENSE
Unfavorable gap of $8.3M · efficiency ratio beats 13% of banks under $1B in assets in KS
Bank 70.80%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.67%1.03%1.24%1.54%Beats 6%92 / 98
Return on Equity9.91%8.85%11.58%14.73%Beats 35%64 / 98
Net Interest Margin3.20%3.24%3.62%3.91%Beats 20%78 / 98
Efficiency Ratio70.80%51.87%58.88%64.74%Beats 13%86 / 98
Asset Quality
Nonperforming Loans / Loans0.72%0.01%0.33%1.05%Beats 33%67 / 98
Net Charge-Offs / Loans0.02%n/a0.00%0.03%Beats 29%71 / 98
Capital
Tier 1 Capital Ratio16.24%11.81%13.71%17.33%Beats 69%30 / 98
Total Risk-Based Capital Ratio17.45%11.81%14.13%17.45%Beats 74%25 / 98
Equity / Assets6.78%8.60%11.34%13.10%Beats 6%92 / 98
Liquidity & Funding
Loans / Deposits49.41%57.09%69.84%82.47%13th pctl85 / 98
Loans / Assets45.79%49.34%58.31%68.94%17th pctl81 / 98
Brokered Deposits / Depositsn/aNot reported for this institution