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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

$514.9MAssets
$337.4MLoans
$457.6MDeposits
$43.3MEquity
Loan mix
89%RE $293.9M6%C&I $19.6M5%Consumer $15.7MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $338.8M26%Noninterest $118.9MQ2 2025Q2 2026

NIM

4.84%Q2 ’245.29%Q2 ’255.26%Q2 ’26+16%+4%

Non-interest income vs. expense

3.37%Q2 ’243.36%Q2 ’253.45%Q2 ’26+4%+4%

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 1.23%, up 28 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 0.48% of loans (-64 bps YoY), with net charge-offs at 0.71%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.23%+28 bps YoY

Net Interest Margin (quarter, annualized)

4.18%+15 bps YoY

Efficiency Ratio (quarter, annualized)

67.07%-26 bps YoY

Tier 1 Leverage Ratio

8.64%+18 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.00%1.10%1.12%1.23%+28 bps
Return on Equity11.97%12.08%12.68%13.17%14.79%+282 bps
Net Interest Margin4.02%4.07%4.14%4.08%4.18%+15 bps
Efficiency Ratio67.34%69.58%70.28%68.64%67.07%-26 bps
Non-Interest Burden2.39%2.50%2.59%2.51%2.48%+9 bps
Growth
Asset Growth (YoY)2.77%1.96%1.97%4.93%5.63%+286 bps
Loan Growth (YoY)6.82%3.03%1.20%-1.59%-4.58%-1,140 bps
Deposit Growth (YoY)2.57%2.07%3.68%4.64%5.88%+330 bps
Asset Quality
Nonperforming Loans / Loans1.12%1.29%1.23%1.39%0.48%-64 bps
Net Charge-Offs / Loans0.00%0.11%-0.01%0.18%0.71%+71 bps
Allowance / Loans1.26%1.36%1.42%1.45%1.34%+8 bps
Allowance Coverage of NPLs1.1x1.1x1.1x1.0x2.8x+1.7x
Capital
Tier 1 Leverage Ratio8.46%8.61%8.67%8.71%8.64%+18 bps
Total Risk-Based Capital11.76%12.46%12.56%12.92%13.36%+159 bps
Equity / Assets7.95%8.56%8.76%8.22%8.41%+47 bps
Liquidity & Funding
Loans / Deposits81.81%82.70%81.86%75.85%73.73%-808 bps
Liquid Assets / Assets1.59%0.78%0.48%6.10%3.98%+239 bps
CRE / Total Capitaln/a467%448%430%n/an/a