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Labette Bank

Altamont, KS · Cert 17068 · Labette County Bankshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$544.4MAssets
$311.3MLoans
$457.2MDeposits
$70.3MEquity
Loan mix
92%RE $269.7M3%C&I $10.1M4%Consumer $12.0MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $343.0M25%Noninterest $114.2MQ2 2025Q2 2026

NIM

4.71%Q2 ’244.86%Q2 ’254.99%Q2 ’26+9%+5%

Non-interest income vs. expense

2.83%Q2 ’243.03%Q2 ’252.79%Q2 ’26+12%-9%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #83 of 114 inst. · $0.1B of $99.1B

32.8% Labette
13.1% Crawford
31.3% Linn
10.9% Cherokee

Executive Summary

  • Earnings: ROA of 0.96%, up 44 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 1.73% of loans (+25 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.06%, up 30 bps from a year ago.
  • Funding: loans stand at 68.09% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.96%+44 bps YoY

Net Interest Margin (quarter, annualized)

3.85%+18 bps YoY

Efficiency Ratio (quarter, annualized)

62.94%-769 bps YoY

Tier 1 Leverage Ratio

13.06%+30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.77%1.56%1.12%0.96%+44 bps
Return on Equity4.18%5.95%11.94%8.75%7.53%+336 bps
Net Interest Margin3.68%3.63%3.75%3.65%3.85%+18 bps
Efficiency Ratio70.63%63.42%63.99%63.18%62.94%-769 bps
Non-Interest Burden2.41%2.07%2.17%2.10%2.20%-21 bps
Growth
Asset Growth (YoY)0.64%1.77%5.28%6.48%6.89%+625 bps
Loan Growth (YoY)-4.18%-5.07%-4.82%-2.90%-1.33%+285 bps
Deposit Growth (YoY)0.16%1.88%5.83%6.38%6.96%+680 bps
Asset Quality
Nonperforming Loans / Loans1.49%1.71%1.75%1.93%1.73%+25 bps
Net Charge-Offs / Loans-0.04%0.98%0.03%0.02%0.00%+4 bps
Allowance / Loans1.15%1.04%1.07%1.14%1.20%+4 bps
Allowance Coverage of NPLs0.8x0.6x0.6x0.6x0.7x-0.1x
Capital
Tier 1 Leverage Ratio12.76%12.96%13.20%12.92%13.06%+30 bps
Total Risk-Based Capital12.76%12.96%13.20%12.92%13.06%+30 bps
Equity / Assets12.63%13.18%12.96%12.62%12.91%+28 bps
Liquidity & Funding
Loans / Deposits73.81%74.74%69.79%66.64%68.09%-572 bps
Liquid Assets / Assets5.48%3.79%8.64%10.33%7.86%+238 bps
CRE / Total Capitaln/a131.48%118.90%115.52%n/an/a