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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 1.41%, up 18 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 0.53% of loans (+49 bps YoY), with net charge-offs at 0.17%.
  • 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 (quarter, annualized)

1.41%+18 bps YoY

Net Interest Margin (quarter, annualized)

4.21%+35 bps YoY

Efficiency Ratio (quarter, annualized)

55.52%-480 bps YoY

Tier 1 Leverage Ratio

11.56%+45 bps YoY

NIM

5.20%Q2 ’245.61%Q2 ’255.74%Q2 ’26+15%+9%

Non-interest income vs. expense

2.75%Q2 ’242.50%Q2 ’252.45%Q2 ’26-9%0%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%1.16%1.14%1.23%1.28%1.44%1.43%1.41%+18 bps
Return on Equity12.13%15.22%15.61%16.35%15.74%16.53%16.28%16.08%-26 bps
Net Interest Margin3.66%3.68%3.82%3.86%4.00%4.06%4.09%4.21%+35 bps
Efficiency Ratio67.52%61.53%62.10%60.31%59.90%55.02%55.88%55.52%-480 bps
Non-Interest Burden2.38%2.16%2.32%2.28%2.27%2.14%2.19%2.27%-1 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 / Loans0.00%0.04%-0.03%-0.02%0.23%0.00%-0.05%0.17%+19 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