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Central Bank of Kansas City

Kansas City, MO · Cert 17009 · Central Bancshares KS Cty Inc.

State charter, non-member · FDIC · 2 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

51

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

89

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

95

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

Central Bank of Kansas City

Kansas City, MO · Cert 17009 · Central Bancshares KS Cty Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$410.2MAssets
$323.4MLoans
$336.6MDeposits
$50.6MEquity
Loan mix
45%RE $144.8M55%C&I $177.3M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $218.2M35%Noninterest $118.4MQ2 2025Q2 2026

NIM

5.24%Q2 ’245.82%Q2 ’255.68%Q2 ’26+27%-4%

Non-interest income vs. expense

2.27%Q2 ’242.90%Q2 ’252.43%Q2 ’26-331818%+112%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.3% share · #35 of 114 inst. · $0.3B of $99.1B

Executive Summary

  • Earnings: ROA of 2.94%, down 426 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 0.13% of loans (+13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.95%, down 151 bps from a year ago.
  • Funding: loans stand at 96.09% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.94%-426 bps YoY

Net Interest Margin (YTD, annualized)

4.66%-20 bps YoY

Efficiency Ratio (YTD, annualized)

37.78%+1,558 bps YoY

Tier 1 Leverage Ratio

11.95%-151 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets7.20%5.61%4.84%2.61%2.94%-426 bps
Return on Equity50.71%40.05%35.57%21.00%23.68%-2,703 bps
Net Interest Margin4.85%4.63%4.11%4.45%4.66%-20 bps
Efficiency Ratio22.20%26.32%29.01%40.71%37.78%+1,558 bps
Non-Interest Burden-5.33%-2.84%-1.66%0.99%0.63%+596 bps
Growth
Asset Growth (YoY)0.88%6.06%16.01%14.60%14.34%+1,345 bps
Loan Growth (YoY)5.85%5.66%12.96%9.85%6.44%+58 bps
Deposit Growth (YoY)6.70%11.30%18.70%13.75%13.40%+669 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.14%0.15%0.13%+13 bps
Net Charge-Offs / Loans-0.01%-0.04%-0.03%0.00%0.00%0 bps
Allowance / Loans1.21%1.27%1.16%1.25%1.24%+3 bps
Allowance Coverage of NPLsn/an/a8.4x8.1x9.2xn/a
Capital
Tier 1 Leverage Ratio13.46%12.56%11.03%11.51%11.95%-151 bps
Total Risk-Based Capital15.59%15.39%14.20%14.63%11.95%-364 bps
Equity / Assets14.05%13.46%12.23%12.68%12.34%-171 bps
Liquidity & Funding
Loans / Deposits102.37%94.09%93.70%97.66%96.09%-628 bps
Liquid Assets / Assets5.49%15.62%15.75%15.14%15.31%+982 bps
CRE / Total Capitaln/a288%292%299%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

Central Bank of Kansas City

Kansas City, MO · Cert 17009 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Central Bancshares KS Cty Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$410.2MAssets
$323.4MLoans
$336.6MDeposits
$50.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 15 of 39).
  • Widest gap: total risk-based capital ratio trails 65% of banks under $1B in assets in the Kansas City, MO-KS area (rank 26 of 40).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.92%

Rank 2 of 40

Net Interest Margin

4.66%

Rank 7 of 40

Efficiency Ratio

37.78%

Rank 3 of 40

Equity / Assets

12.34%

Rank 10 of 40

Non-interest income vs. expense

$7.3M$9.9MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 95% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 37.78%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.92%1.02%1.39%1.86%Beats 95%2 / 40
Return on Equity23.67%10.74%14.78%21.32%Beats 88%5 / 40
Net Interest Margin4.66%3.33%4.05%4.63%Beats 83%7 / 40
Efficiency Ratio37.78%51.70%58.10%69.29%Beats 95%3 / 40
Asset Quality
Nonperforming Loans / Loans0.13%0.05%0.20%1.11%Beats 64%15 / 39
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%15 / 39
Capital
Tier 1 Capital Ratio11.95%11.32%12.27%16.94%Beats 43%23 / 40
Total Risk-Based Capital Ratio11.95%11.32%13.09%17.63%Beats 35%26 / 40
Equity / Assets12.34%8.41%10.10%12.34%Beats 75%10 / 40
Liquidity & Funding
Loans / Deposits96.09%73.50%85.60%94.85%80th pctl8 / 40
Loans / Assets78.85%62.75%69.87%79.23%73rd pctl11 / 40
Brokered Deposits / Depositsn/aNot reported for this institution