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Vintage Bank Kansas

Leon, KS · Cert 17927 · Vintage Bcorp Inc.

State charter, non-member · FDIC · 12 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

38

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

80

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

Vintage Bank Kansas

Leon, KS · Cert 17927 · Vintage Bcorp Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$288.6MAssets
$181.0MLoans
$231.4MDeposits
$25.4MEquity
Loan mix
78%RE $116.2M19%C&I $28.7M3%Consumer $4.1MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $171.8M26%Noninterest $59.5MQ3 2024Q2 2026

Market Position · Wichita, KS · 2026 SOD (annual) · 0.8% share · #23 of 46 inst. · $0.2B of $23.2B

5.8% Butler
14.4% Marion
6.5% Sumner
0.1% Sedgwick

Executive Summary

  • Earnings: ROA of 1.42%, up 23 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.53% of loans (+49 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 11.56%, up 45 bps from a year ago.
  • Funding: loans stand at 78.24% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.42%+23 bps YoY

Net Interest Margin (YTD, annualized)

4.10%+28 bps YoY

Efficiency Ratio (YTD, annualized)

55.69%-551 bps YoY

Tier 1 Leverage Ratio

11.56%+45 bps YoY

NIM

5.10%Q2 ’245.54%Q2 ’255.62%Q2 ’26+13%+7%

Non-interest income vs. expense

2.73%Q2 ’242.52%Q2 ’252.42%Q2 ’26-7%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.84%1.14%1.19%1.22%1.28%1.43%1.42%+23 bps
Return on Equity9.22%10.82%15.61%15.97%15.81%16.06%16.28%16.09%+12 bps
Net Interest Margin3.44%3.41%3.82%3.82%3.90%3.84%4.09%4.10%+28 bps
Efficiency Ratio71.22%68.58%62.10%61.20%60.74%59.24%55.88%55.69%-551 bps
Non-Interest Burden2.40%2.28%2.32%2.29%2.30%2.20%2.19%2.21%-9 bps
Growth
Asset Growth (YoY)8.13%5.39%5.89%8.12%4.36%6.35%5.07%8.40%+28 bps
Loan Growth (YoY)15.96%10.29%10.35%13.08%6.51%9.50%9.42%7.29%-579 bps
Deposit Growth (YoY)9.90%14.35%15.50%6.29%6.06%4.27%3.85%6.96%+67 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.05%0.04%0.04%0.11%0.40%0.55%0.53%+49 bps
Net Charge-Offs / Loans0.03%0.03%-0.03%-0.02%0.06%0.04%-0.05%0.06%+8 bps
Allowance / Loans1.14%1.12%1.12%1.10%1.10%1.09%1.10%1.11%0 bps
Allowance Coverage of NPLs6.1x21.5x28.5x25.5x10.3x2.7x2.0x2.1x-23.4x
Capital
Tier 1 Leverage Ratio11.13%10.92%10.92%11.11%11.49%11.27%11.51%11.56%+45 bps
Total Risk-Based Capital11.13%10.92%10.92%11.11%11.49%11.27%11.51%11.56%+45 bps
Equity / Assets8.06%7.21%7.43%7.66%8.62%8.83%8.75%8.81%+116 bps
Liquidity & Funding
Loans / Deposits77.69%77.15%77.18%78.01%78.02%81.02%81.32%78.24%+24 bps
Liquid Assets / Assets1.82%1.84%1.67%1.24%1.14%0.84%0.58%0.56%-68 bps
CRE / Total Capitaln/an/an/an/a148.88%151.20%155.20%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

Vintage Bank Kansas

Leon, KS · Cert 17927 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · Vintage Bcorp Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$288.6MAssets
$181.0MLoans
$231.4MDeposits
$25.4MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 80% of banks under $1B in assets in the Wichita, KS area (rank 4 of 20).
  • Widest gap: total risk-based capital ratio trails 80% of banks under $1B in assets in the Wichita, KS area (rank 16 of 20).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.36%

Rank 4 of 20

Net Interest Margin

4.10%

Rank 9 of 20

Efficiency Ratio

56.16%

Rank 5 of 20

Equity / Assets

8.81%

Rank 10 of 20

Non-interest income vs. expense

$0.6M$6.8MINCOMEEXPENSE
Unfavorable gap of $6.2M · efficiency ratio beats 80% of banks under $1B in assets in the Wichita, KS area
Bank 56.16%Peer median 65.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.36%0.80%1.20%1.35%Beats 80%4 / 20
Return on Equity15.47%9.43%12.85%15.78%Beats 65%7 / 20
Net Interest Margin4.10%3.71%4.04%4.23%Beats 55%9 / 20
Efficiency Ratio56.16%59.34%65.86%71.92%Beats 80%5 / 20
Asset Quality
Nonperforming Loans / Loans0.53%0.06%0.64%1.17%Beats 55%10 / 20
Net Charge-Offs / Loans0.04%n/a0.02%0.09%Beats 40%13 / 20
Capital
Tier 1 Capital Ratio11.56%11.10%11.73%15.56%Beats 45%11 / 20
Total Risk-Based Capital Ratio11.56%11.80%12.57%16.49%Beats 20%16 / 20
Equity / Assets8.81%8.39%8.81%11.24%Beats 50%10 / 20
Liquidity & Funding
Loans / Deposits78.24%62.67%77.26%93.25%55th pctl9 / 20
Loans / Assets62.73%54.38%67.74%81.71%40th pctl12 / 20
Brokered Deposits / Depositsn/aNot reported for this institution