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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 $12.0MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $343.0M25%Noninterest $114.2MQ3 2024Q2 2026

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 1.04%, up 14 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 1.73% of loans (+25 bps YoY), with net charge-offs at 0.01%.
  • 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.

Return on Assets (YTD, annualized)

1.04%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.74%+20 bps YoY

Efficiency Ratio (YTD, annualized)

63.06%-268 bps YoY

Tier 1 Leverage Ratio

13.06%+30 bps YoY

NIM

4.60%Q2 ’244.76%Q2 ’254.89%Q2 ’26+8%+6%

Non-interest income vs. expense

2.71%Q2 ’242.72%Q2 ’252.71%Q2 ’26+4%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.97%1.29%0.91%0.86%1.03%1.12%1.04%+14 bps
Return on Equity8.60%8.71%10.66%7.38%6.89%8.20%8.75%8.13%+75 bps
Net Interest Margin3.30%3.34%3.39%3.54%3.57%3.59%3.65%3.74%+20 bps
Efficiency Ratio67.44%66.64%60.48%65.73%64.95%64.70%63.18%63.06%-268 bps
Non-Interest Burden2.00%2.00%1.80%2.11%2.10%2.10%2.10%2.14%+3 bps
Growth
Asset Growth (YoY)0.47%-0.60%0.01%0.64%1.77%5.28%6.48%6.89%+625 bps
Loan Growth (YoY)6.27%3.66%-1.45%-4.18%-5.07%-4.82%-2.90%-1.33%+285 bps
Deposit Growth (YoY)-1.94%-2.51%-0.67%0.16%1.88%5.83%6.38%6.96%+680 bps
Asset Quality
Nonperforming Loans / Loans1.50%1.30%1.48%1.49%1.71%1.75%1.93%1.73%+25 bps
Net Charge-Offs / Loans0.10%0.09%0.19%0.08%0.38%0.29%0.02%0.01%-6 bps
Allowance / Loans0.93%0.96%0.94%1.15%1.04%1.07%1.14%1.20%+4 bps
Allowance Coverage of NPLs0.6x0.7x0.6x0.8x0.6x0.6x0.6x0.7x-0.1x
Capital
Tier 1 Leverage Ratio12.30%12.55%12.58%12.76%12.96%13.20%12.92%13.06%+30 bps
Total Risk-Based Capital12.30%19.35%12.58%12.76%12.96%13.20%12.92%13.06%+30 bps
Equity / Assets12.01%12.05%12.24%12.63%13.18%12.96%12.62%12.91%+28 bps
Liquidity & Funding
Loans / Deposits80.21%77.60%73.00%73.81%74.74%69.79%66.64%68.09%-572 bps
Liquid Assets / Assets4.56%6.78%8.00%5.48%3.79%8.64%10.33%7.86%+238 bps
CRE / Total Capitaln/an/an/an/a131.48%118.90%115.52%n/an/a