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First State Bank and Trust

Tonganoxie, KS · Cert 14974 · Tonganoxie Bankshares Inc.

State charter, non-member · FDIC · 7 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

43

Q2 2024Q2 2026peer median (50)

Asset Quality

25

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

27

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

First State Bank and Trust

Tonganoxie, KS · Cert 14974 · Tonganoxie Bankshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$514.9MAssets
$337.4MLoans
$457.6MDeposits
$43.3MEquity
Loan mix
89%RE $293.9M6%C&I $19.6M5%Consumer $15.7MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $338.8M26%Noninterest $118.9MQ3 2024Q2 2026

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.3% share · #32 of 114 inst. · $0.3B of $99.1B

18.6% Leavenworth
1.7% Douglas
17.1% Jefferson
1.4% Wyandotte

Executive Summary

  • Earnings: ROA of 1.18%, up 40 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.48% of loans (-64 bps YoY), with net charge-offs at 0.44%.
  • Capital: tier 1 leverage ratio of 8.64%, up 18 bps from a year ago.
  • Funding: loans stand at 73.73% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.18%+40 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+20 bps YoY

Efficiency Ratio (YTD, annualized)

67.83%-562 bps YoY

Tier 1 Leverage Ratio

8.64%+18 bps YoY

NIM

4.72%Q2 ’245.14%Q2 ’255.14%Q2 ’26+15%+5%

Non-interest income vs. expense

3.35%Q2 ’243.46%Q2 ’253.39%Q2 ’26+10%-6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.74%0.60%0.78%0.85%0.91%1.12%1.18%+40 bps
Return on Equity9.21%9.43%7.66%9.86%10.59%11.14%13.17%13.94%+408 bps
Net Interest Margin3.42%3.51%3.75%3.87%3.93%3.94%4.08%4.06%+20 bps
Efficiency Ratio75.29%74.18%80.36%73.46%72.08%71.60%68.64%67.83%-562 bps
Non-Interest Burden2.33%2.35%2.87%2.62%2.57%2.55%2.51%2.46%-16 bps
Growth
Asset Growth (YoY)4.64%4.81%5.81%2.77%1.96%1.97%4.93%5.63%+286 bps
Loan Growth (YoY)5.00%5.07%6.01%6.82%3.03%1.20%-1.59%-4.58%-1,140 bps
Deposit Growth (YoY)3.93%3.62%4.51%2.57%2.07%3.68%4.64%5.88%+330 bps
Asset Quality
Nonperforming Loans / Loans0.68%0.40%1.16%1.12%1.29%1.23%1.39%0.48%-64 bps
Net Charge-Offs / Loans0.04%0.02%0.45%0.22%0.19%0.14%0.18%0.44%+22 bps
Allowance / Loans1.12%1.23%1.14%1.26%1.36%1.42%1.45%1.34%+8 bps
Allowance Coverage of NPLs1.6x3.1x1.0x1.1x1.1x1.1x1.0x2.8x+1.7x
Capital
Tier 1 Leverage Ratio8.36%8.41%8.44%8.46%8.61%8.67%8.71%8.64%+18 bps
Total Risk-Based Capital11.75%11.70%11.85%11.76%12.46%12.56%12.92%13.36%+159 bps
Equity / Assets8.16%7.84%7.86%7.95%8.56%8.76%8.22%8.41%+47 bps
Liquidity & Funding
Loans / Deposits81.92%83.87%80.65%81.81%82.70%81.86%75.85%73.73%-808 bps
Liquid Assets / Assets0.94%1.23%1.35%1.59%0.78%0.48%6.10%3.98%+239 bps
CRE / Total Capitaln/an/an/an/a467%448%430%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

First State Bank and Trust

Tonganoxie, KS · Cert 14974 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Tonganoxie Bankshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$514.9MAssets
$337.4MLoans
$457.6MDeposits
$43.3MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 55% of banks under $1B in assets in the Kansas City, MO-KS area (rank 18 of 40).
  • Widest gap: net charge-offs / loans trails 87% of banks under $1B in assets in the Kansas City, MO-KS area (rank 35 of 39).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.15%

Rank 27 of 40

Net Interest Margin

4.06%

Rank 19 of 40

Efficiency Ratio

67.83%

Rank 30 of 40

Equity / Assets

8.41%

Rank 30 of 40

Non-interest income vs. expense

$4.8M$17.4MINCOMEEXPENSE
Unfavorable gap of $12.7M · efficiency ratio beats 27% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 67.83%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.15%1.02%1.39%1.86%Beats 33%27 / 40
Return on Equity13.68%10.74%14.78%21.32%Beats 40%24 / 40
Net Interest Margin4.06%3.33%4.05%4.63%Beats 53%19 / 40
Efficiency Ratio67.83%51.70%58.10%69.29%Beats 27%30 / 40
Asset Quality
Nonperforming Loans / Loans0.48%0.05%0.20%1.11%Beats 36%26 / 39
Net Charge-Offs / Loans0.23%n/a0.00%0.05%Beats 13%35 / 39
Capital
Tier 1 Capital Ratio12.11%11.32%12.27%16.94%Beats 48%21 / 40
Total Risk-Based Capital Ratio13.36%11.32%13.09%17.63%Beats 55%18 / 40
Equity / Assets8.41%8.41%10.10%12.34%Beats 25%30 / 40
Liquidity & Funding
Loans / Deposits73.73%73.50%85.60%94.85%28th pctl29 / 40
Loans / Assets65.53%62.75%69.87%79.23%33rd pctl27 / 40
Brokered Deposits / Depositsn/aNot reported for this institution