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Community Bank of Raymore

Raymore, MO · Cert 22867 · Lolyn Financial Corp.

State charter, non-member · FDIC · 3 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 Kansas City, MO-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 Kansas City, MO-KS area (n=39 to 40). 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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

45

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

Community Bank of Raymore

Raymore, MO · Cert 22867 · Lolyn Financial Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$346.9MAssets
$126.0MLoans
$331.0MDeposits
$13.9MEquity
Loan mix
47%RE $54.5M51%C&I $59.7M2%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $248.7M25%Noninterest $82.2MQ2 2025Q2 2026

NIM

4.09%Q2 ’243.66%Q2 ’253.71%Q2 ’26-5%+9%

Non-interest income vs. expense

2.53%Q2 ’242.34%Q2 ’252.46%Q2 ’26+37%+32%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.3% share · #36 of 114 inst. · $0.3B of $99.1B

Executive Summary

  • Earnings: ROA of 1.41%, up 35 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 0.05% of loans (-2 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.70%, up 77 bps from a year ago.
  • Funding: loans stand at 38.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.41%+35 bps YoY

Net Interest Margin (YTD, annualized)

2.62%+22 bps YoY

Efficiency Ratio (YTD, annualized)

59.76%+170 bps YoY

Tier 1 Leverage Ratio

9.70%+77 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.15%1.17%1.35%1.41%+35 bps
Return on Equity72.07%58.52%49.04%33.84%35.32%-3,676 bps
Net Interest Margin2.40%2.50%2.57%2.55%2.62%+22 bps
Efficiency Ratio58.06%58.07%59.98%61.02%59.76%+170 bps
Non-Interest Burden0.73%0.82%0.92%0.96%0.96%+23 bps
Growth
Asset Growth (YoY)5.54%1.32%8.08%4.69%-6.34%-1,188 bps
Loan Growth (YoY)15.13%12.40%17.42%0.41%8.82%-631 bps
Deposit Growth (YoY)4.03%0.32%4.59%2.62%-8.64%-1,266 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.08%0.06%0.06%0.05%-2 bps
Net Charge-Offs / Loans1.94%1.38%1.03%0.01%0.02%-192 bps
Allowance / Loans0.48%0.45%0.42%0.41%0.39%-9 bps
Allowance Coverage of NPLs7.2x5.8x7.2x7.1x8.1x+0.9x
Capital
Tier 1 Leverage Ratio8.92%9.36%9.73%9.55%9.70%+77 bps
Total Risk-Based Capital25.89%24.30%27.19%20.96%20.58%-531 bps
Equity / Assets1.63%3.38%4.04%3.92%4.00%+237 bps
Liquidity & Funding
Loans / Deposits31.97%32.86%36.31%36.03%38.08%+611 bps
Liquid Assets / Assets16.25%14.02%5.93%7.38%4.87%-1,138 bps
CRE / Total Capitaln/a78.36%78.82%74.28%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

Community Bank of Raymore

Raymore, MO · Cert 22867 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Lolyn Financial Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$346.9MAssets
$126.0MLoans
$331.0MDeposits
$13.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 98% of banks under $1B in assets in the Kansas City, MO-KS area (rank 1 of 40).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 40 of 40).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.40%

Rank 19 of 40

Net Interest Margin

2.62%

Rank 38 of 40

Efficiency Ratio

59.76%

Rank 23 of 40

Equity / Assets

4.00%

Rank 40 of 40

Non-interest income vs. expense

$5.6M$9.2MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 45% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 59.76%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.40%1.02%1.39%1.86%Beats 53%19 / 40
Return on Equity35.01%10.74%14.78%21.32%Beats 98%1 / 40
Net Interest Margin2.62%3.33%4.05%4.63%Beats 5%38 / 40
Efficiency Ratio59.76%51.70%58.10%69.29%Beats 45%23 / 40
Asset Quality
Nonperforming Loans / Loans0.05%0.05%0.20%1.11%Beats 74%11 / 39
Net Charge-Offs / Loans0.07%n/a0.00%0.05%Beats 21%32 / 39
Capital
Tier 1 Capital Ratio20.21%11.32%12.27%16.94%Beats 85%6 / 40
Total Risk-Based Capital Ratio20.58%11.32%13.09%17.63%Beats 85%6 / 40
Equity / Assets4.00%8.41%10.10%12.34%Beats 0%40 / 40
Liquidity & Funding
Loans / Deposits38.08%73.50%85.60%94.85%3rd pctl39 / 40
Loans / Assets36.33%62.75%69.87%79.23%3rd pctl39 / 40
Brokered Deposits / Depositsn/aNot reported for this institution