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First Bank Kansas

Salina, KS · Cert 18431 · Ottawa Bancshares Inc.

State charter, non-member · FDIC · 8 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 KS3

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 KS (n=98). 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

36

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

97

Q2 2024Q2 2026peer median (50)

Liquidity

76

Q2 2024Q2 2026peer median

Efficiency

68

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

First Bank Kansas

Salina, KS · Cert 18431 · Ottawa Bancshares Inc.

State charter, non-member · FDIC · 2 affiliate banks · 8 branches (14 in holding)

Q2 2026

$618.5MAssets
$420.1MLoans
$561.6MDeposits
$49.0MEquity
Loan mix
88%RE $324.9M7%C&I $26.3M5%Consumer $17.0MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $443.7M21%Noninterest $117.9MQ2 2025Q2 2026

NIM

4.69%Q2 ’245.21%Q2 ’255.56%Q2 ’26+13%+12%

Non-interest income vs. expense

3.57%Q2 ’243.54%Q2 ’253.48%Q2 ’26+95%-7%

Executive Summary

  • Earnings: ROA of 3.12%, up 138 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 0.04% of loans (+2 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.83%, up 54 bps from a year ago.
  • Funding: loans stand at 74.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

3.12%+138 bps YoY

Net Interest Margin (YTD, annualized)

4.49%+49 bps YoY

Efficiency Ratio (YTD, annualized)

54.26%-618 bps YoY

Tier 1 Leverage Ratio

8.83%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.74%1.71%1.90%2.12%3.12%+138 bps
Return on Equity25.99%25.01%27.34%28.72%41.27%+1,528 bps
Net Interest Margin4.00%4.05%4.04%4.42%4.49%+49 bps
Efficiency Ratio60.44%60.86%58.46%56.43%54.26%-618 bps
Non-Interest Burden1.68%1.74%1.55%1.66%1.56%-12 bps
Growth
Asset Growth (YoY)4.15%6.31%4.51%6.39%7.81%+366 bps
Loan Growth (YoY)8.73%12.28%12.23%13.68%12.27%+355 bps
Deposit Growth (YoY)4.18%6.31%3.55%6.57%7.57%+338 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.04%0.49%0.59%0.04%+2 bps
Net Charge-Offs / Loans0.02%0.02%0.01%0.03%0.01%-1 bps
Allowance / Loans1.37%1.42%1.45%1.46%1.48%+11 bps
Allowance Coverage of NPLs56.9x37.6x3.0x2.5x35.8x-21.2x
Capital
Tier 1 Leverage Ratio8.29%8.20%8.09%8.26%8.83%+54 bps
Total Risk-Based Capital13.96%13.72%13.50%13.47%14.14%+17 bps
Equity / Assets6.94%7.29%7.35%7.38%7.92%+98 bps
Liquidity & Funding
Loans / Deposits71.67%72.68%73.59%73.34%74.80%+314 bps
Liquid Assets / Assets2.12%2.75%3.06%3.53%2.89%+77 bps
CRE / Total Capitaln/a235%249%257%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

First Bank Kansas

Salina, KS · Cert 18431 · Peer group: banks under $1B in assets in KS (n=98) · Ottawa Bancshares Inc.

State charter, non-member · FDIC · 2 affiliate banks · 8 branches (14 in holding)

Q2 2026

$618.5MAssets
$420.1MLoans
$561.6MDeposits
$49.0MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 99% of banks under $1B in assets in KS (rank 1 of 98).
  • Widest gap: equity / assets trails 85% of banks under $1B in assets in KS (rank 83 of 98).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

3.07%

Rank 1 of 98

Net Interest Margin

4.49%

Rank 7 of 98

Efficiency Ratio

54.26%

Rank 32 of 98

Equity / Assets

7.92%

Rank 83 of 98

Non-interest income vs. expense

$11.8M$21.4MINCOMEEXPENSE
Unfavorable gap of $9.6M · efficiency ratio beats 68% of banks under $1B in assets in KS
Bank 54.26%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets3.07%1.03%1.24%1.54%Beats 99%1 / 98
Return on Equity38.74%8.85%11.58%14.73%Beats 99%1 / 98
Net Interest Margin4.49%3.24%3.62%3.91%Beats 93%7 / 98
Efficiency Ratio54.26%51.87%58.88%64.74%Beats 68%32 / 98
Asset Quality
Nonperforming Loans / Loans0.04%0.01%0.33%1.05%Beats 73%27 / 98
Net Charge-Offs / Loans0.02%n/a0.00%0.03%Beats 31%69 / 98
Capital
Tier 1 Capital Ratio12.88%11.81%13.71%17.33%Beats 41%58 / 98
Total Risk-Based Capital Ratio14.14%11.81%14.13%17.45%Beats 51%48 / 98
Equity / Assets7.92%8.60%11.34%13.10%Beats 15%83 / 98
Liquidity & Funding
Loans / Deposits74.80%57.09%69.84%82.47%58th pctl41 / 98
Loans / Assets67.92%49.34%58.31%68.94%72nd pctl27 / 98
Brokered Deposits / Depositsn/aNot reported for this institution