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Peoples Bank National Association

Coldwater, KS · Cert 14636

FDIC · 1 branch

Q1 2025

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: Q1 2025, the quarter ended March 31, 2025, 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=105). 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

53

Q2 2024Q1 2025peer median (50)

Asset Quality

32

Q2 2024Q1 2025peer median (50)

Profitability

32

Q2 2024Q1 2025peer median (50)

Liquidity

95

Q2 2024Q1 2025peer median

Efficiency

21

Q2 2024Q1 2025peer 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

Peoples Bank National Association

Coldwater, KS · Cert 14636

FDIC · 1 branch

Q1 2025

$56.6MAssets
$32.0MLoans
$47.8MDeposits
$7.0MEquity
Loan mix
75%RE $12.0M21%C&I $3.4M4%Consumer $0.6MQ1 2024Q1 2025
Deposit mix
84%Interest-bearing $40.3M16%Noninterest $7.5MQ1 2024Q1 2025

NIM

3.86%Q1 ’234.43%Q1 ’244.91%Q1 ’25-2%+16%

Non-interest income vs. expense

3.08%Q1 ’232.98%Q1 ’242.81%Q1 ’25-1%-5%

Executive Summary

  • Earnings: ROA of 0.91%, up 44 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.80% of loans (+69 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 13.11%, up 5 bps from a year ago.
  • Funding: loans stand at 66.96% of deposits as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

0.91%+44 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+45 bps YoY

Efficiency Ratio (YTD, annualized)

71.17%-1,237 bps YoY

Tier 1 Leverage Ratio

13.11%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.47%0.33%0.40%0.42%0.91%+44 bps
Return on Equity4.10%2.79%3.38%3.51%7.37%+327 bps
Net Interest Margin2.80%2.85%2.81%2.77%3.25%+45 bps
Efficiency Ratio83.54%88.19%86.10%85.26%71.17%-1,237 bps
Non-Interest Burden2.18%2.39%2.25%2.20%2.08%-10 bps
Growth
Asset Growth (YoY)2.88%-3.25%1.67%-0.69%4.34%+146 bps
Loan Growth (YoY)-2.01%-6.14%-1.66%4.69%21.49%+2,351 bps
Deposit Growth (YoY)3.31%-4.59%-1.82%-0.75%3.90%+58 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.11%0.06%0.02%0.80%+69 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.01%+1 bps
Allowance / Loans1.48%1.49%1.41%1.33%1.21%-27 bps
Allowance Coverage of NPLs13.0x13.4x24.4x55.6x1.5x-11.5x
Capital
Tier 1 Leverage Ratio13.06%13.88%13.88%13.59%13.11%+5 bps
Total Risk-Based Capital13.06%13.88%13.88%13.59%13.11%+5 bps
Equity / Assets11.48%12.17%12.85%12.30%12.36%+88 bps
Liquidity & Funding
Loans / Deposits57.26%61.97%63.29%63.30%66.96%+970 bps
Liquid Assets / Assets1.66%1.74%1.67%1.69%1.62%-4 bps
CRE / Total Capitaln/an/an/an/an/an/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

Peoples Bank National Association

Coldwater, KS · Cert 14636 · Peer group: banks under $1B in assets in KS (n=105)

FDIC · 1 branch

Q1 2025

$56.6MAssets
$32.0MLoans
$47.8MDeposits
$7.0MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 72% of banks under $1B in assets in KS (rank 29 of 105).
  • Widest gap: return on equity trails 81% of banks under $1B in assets in KS (rank 85 of 105).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.89%

Rank 73 of 105

Net Interest Margin

3.25%

Rank 56 of 105

Efficiency Ratio

71.17%

Rank 84 of 105

Equity / Assets

12.36%

Rank 29 of 105

Non-interest income vs. expense

$0.4M$1.6MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 21% of banks under $1B in assets in KS
Bank 71.17%Peer median 62.1%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.89%0.78%1.10%1.38%Beats 30%73 / 105
Return on Equity7.19%8.15%10.82%13.36%Beats 19%85 / 105
Net Interest Margin3.25%3.06%3.29%3.75%Beats 47%56 / 105
Efficiency Ratio71.17%55.42%62.09%69.97%Beats 21%84 / 105
Asset Quality
Nonperforming Loans / Loans0.80%0.03%0.22%0.77%Beats 24%81 / 105
Net Charge-Offs / Loans0.00%n/an/a0.01%Beats 39%65 / 105
Capital
Tier 1 Capital Ratio13.11%11.89%13.59%17.54%Beats 45%58 / 105
Total Risk-Based Capital Ratio13.11%11.91%14.34%18.04%Beats 41%62 / 105
Equity / Assets12.36%7.61%10.31%12.60%Beats 72%29 / 105
Liquidity & Funding
Loans / Deposits66.96%54.60%68.18%80.10%46th pctl57 / 105
Loans / Assets56.49%48.15%58.26%66.79%45th pctl58 / 105
Brokered Deposits / Depositsn/aNot reported for this institution