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Impact Bank

Wellington, KS · Cert 17399 · First Financial Corp.

State charter, Fed member · FED · 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 Wichita, 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 Wichita, KS area (n=20). 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

52

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

85

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

Impact Bank

Wellington, KS · Cert 17399 · First Financial Corp.

State charter, Fed member · FED · 2 branches

Q2 2026

$167.2MAssets
$100.3MLoans
$153.0MDeposits
$12.9MEquity
Loan mix
80%RE $60.2M16%C&I $11.9M4%Consumer $2.8MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $118.6M23%Noninterest $34.4MQ2 2025Q2 2026

NIM

5.32%Q2 ’245.03%Q2 ’254.78%Q2 ’26-2%+8%

Non-interest income vs. expense

2.14%Q2 ’242.09%Q2 ’252.01%Q2 ’26-2%-15%

Market Position · Wichita, KS · 2026 SOD (annual) · 0.7% share · #26 of 46 inst. · $0.2B of $23.2B

Executive Summary

  • Earnings: ROA of 1.35%, up 41 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.03% of loans (-110 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 10.62%, up 38 bps from a year ago.
  • Funding: loans stand at 65.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.35%+41 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+25 bps YoY

Efficiency Ratio (YTD, annualized)

54.37%-1,017 bps YoY

Tier 1 Leverage Ratio

10.62%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%0.94%1.06%1.06%1.35%+41 bps
Return on Equity16.30%15.38%16.87%15.22%18.69%+239 bps
Net Interest Margin3.05%3.12%3.32%3.33%3.30%+25 bps
Efficiency Ratio64.54%64.60%61.70%61.16%54.37%-1,017 bps
Non-Interest Burden1.90%1.94%1.97%1.96%1.61%-29 bps
Growth
Asset Growth (YoY)-4.67%-1.88%-2.97%5.53%5.08%+975 bps
Loan Growth (YoY)-0.98%-4.34%-5.69%-4.29%-3.98%-300 bps
Deposit Growth (YoY)-2.75%2.51%5.40%7.95%9.50%+1,225 bps
Asset Quality
Nonperforming Loans / Loans1.13%0.78%0.02%0.05%0.03%-110 bps
Net Charge-Offs / Loans0.11%0.08%0.06%0.00%0.05%-6 bps
Allowance / Loans1.18%1.22%1.25%1.23%1.27%+9 bps
Allowance Coverage of NPLs1.0x1.6x74.5x24.4x38.6x+37.6x
Capital
Tier 1 Leverage Ratio10.24%10.73%10.41%10.78%10.62%+38 bps
Total Risk-Based Capital15.42%15.51%15.60%16.24%16.49%+107 bps
Equity / Assets6.24%7.29%7.16%6.76%7.69%+145 bps
Liquidity & Funding
Loans / Deposits74.74%72.29%66.85%67.00%65.54%-920 bps
Liquid Assets / Assets1.55%2.38%1.46%2.86%2.75%+119 bps
CRE / Total Capitaln/a218%209%207%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

Impact Bank

Wellington, KS · Cert 17399 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · First Financial Corp.

State charter, Fed member · FED · 2 branches

Q2 2026

$167.2MAssets
$100.3MLoans
$153.0MDeposits
$12.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 85% of banks under $1B in assets in the Wichita, KS area (rank 3 of 20).
  • Widest gap: equity / assets trails 90% of banks under $1B in assets in the Wichita, KS area (rank 18 of 20).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.35%

Rank 5 of 20

Net Interest Margin

3.30%

Rank 17 of 20

Efficiency Ratio

54.37%

Rank 4 of 20

Equity / Assets

7.69%

Rank 18 of 20

Non-interest income vs. expense

$0.7M$3.5MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 85% of banks under $1B in assets in the Wichita, KS area
Bank 54.37%Peer median 65.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.35%0.80%1.20%1.35%Beats 75%5 / 20
Return on Equity17.54%9.43%12.85%15.78%Beats 85%3 / 20
Net Interest Margin3.30%3.71%4.04%4.23%Beats 15%17 / 20
Efficiency Ratio54.37%59.34%65.86%71.92%Beats 85%4 / 20
Asset Quality
Nonperforming Loans / Loans0.03%0.06%0.64%1.17%Beats 80%5 / 20
Net Charge-Offs / Loans0.03%n/a0.02%0.09%Beats 45%12 / 20
Capital
Tier 1 Capital Ratio15.40%11.10%11.73%15.56%Beats 70%6 / 20
Total Risk-Based Capital Ratio16.49%11.80%12.57%16.49%Beats 75%5 / 20
Equity / Assets7.69%8.39%8.81%11.24%Beats 10%18 / 20
Liquidity & Funding
Loans / Deposits65.54%62.67%77.26%93.25%35th pctl13 / 20
Loans / Assets59.95%54.38%67.74%81.71%35th pctl13 / 20
Brokered Deposits / Depositsn/aNot reported for this institution