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Community National Bank

Seneca, KS · Cert 25665 · Community Bancshares Inc.

National charter · OCC · 6 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

45

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

19

Q2 2024Q2 2026peer median

Efficiency

42

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 National Bank

Seneca, KS · Cert 25665 · Community Bancshares Inc.

National charter · OCC · 6 branches

Q2 2026

$853.1MAssets
$384.0MLoans
$772.6MDeposits
$58.6MEquity
Loan mix
88%RE $328.9M12%C&I $43.1M1%Consumer $2.8MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $700.6M9%Noninterest $72.1MQ2 2025Q2 2026

NIM

4.12%Q2 ’244.48%Q2 ’254.48%Q2 ’26+21%+10%

Non-interest income vs. expense

2.02%Q2 ’242.37%Q2 ’252.62%Q2 ’26-16%+51%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #58 of 114 inst. · $0.2B of $99.1B

42.9% Nemaha
9.0% Leavenworth
1.8% Shawnee
0.1% Johnson

Executive Summary

  • Earnings: ROA of 1.35%, up 2 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 1.47% of loans (-5 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.66%, up 6 bps from a year ago.
  • Funding: loans stand at 49.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.35%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.03%+27 bps YoY

Efficiency Ratio (YTD, annualized)

59.76%+448 bps YoY

Tier 1 Leverage Ratio

9.66%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.35%1.34%1.19%1.35%+2 bps
Return on Equity24.78%24.03%23.28%19.04%20.85%-393 bps
Net Interest Margin2.76%2.90%2.91%2.89%3.03%+27 bps
Efficiency Ratio55.28%56.56%56.90%61.26%59.76%+448 bps
Non-Interest Burden0.83%1.00%1.04%1.30%1.25%+42 bps
Growth
Asset Growth (YoY)-1.57%-0.88%3.41%5.64%-0.11%+146 bps
Loan Growth (YoY)4.63%3.33%2.39%-3.28%-5.85%-1,049 bps
Deposit Growth (YoY)0.39%0.91%1.27%3.02%-1.13%-151 bps
Asset Quality
Nonperforming Loans / Loans1.52%1.17%1.15%1.23%1.47%-5 bps
Net Charge-Offs / Loans0.11%0.08%0.08%-0.01%0.01%-10 bps
Allowance / Loans1.16%1.16%1.18%1.23%1.27%+11 bps
Allowance Coverage of NPLs0.8x1.0x1.0x1.0x0.9x+0.1x
Capital
Tier 1 Leverage Ratio9.61%9.64%9.38%9.37%9.66%+6 bps
Total Risk-Based Capital16.53%17.57%15.01%14.99%16.24%-29 bps
Equity / Assets5.76%6.41%6.36%6.15%6.87%+110 bps
Liquidity & Funding
Loans / Deposits52.20%53.50%51.67%49.18%49.70%-250 bps
Liquid Assets / Assets7.47%7.32%9.18%12.67%5.56%-191 bps
CRE / Total Capitaln/a224%231%226%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 National Bank

Seneca, KS · Cert 25665 · Peer group: banks under $1B in assets in KS (n=98) · Community Bancshares Inc.

National charter · OCC · 6 branches

Q2 2026

$853.1MAssets
$384.0MLoans
$772.6MDeposits
$58.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 92% of banks under $1B in assets in KS (rank 8 of 98).
  • Widest gap: equity / assets trails 93% of banks under $1B in assets in KS (rank 91 of 98).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.39%

Rank 39 of 98

Net Interest Margin

3.03%

Rank 87 of 98

Efficiency Ratio

60.12%

Rank 58 of 98

Equity / Assets

6.87%

Rank 91 of 98

Non-interest income vs. expense

$11.9M$22.8MINCOMEEXPENSE
Unfavorable gap of $10.9M · efficiency ratio beats 42% of banks under $1B in assets in KS
Bank 60.12%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%1.03%1.24%1.54%Beats 60%39 / 98
Return on Equity20.26%8.85%11.58%14.73%Beats 92%8 / 98
Net Interest Margin3.03%3.24%3.62%3.91%Beats 11%87 / 98
Efficiency Ratio60.12%51.87%58.88%64.74%Beats 42%58 / 98
Asset Quality
Nonperforming Loans / Loans1.47%0.01%0.33%1.05%Beats 20%79 / 98
Net Charge-Offs / Loans0.02%n/a0.00%0.03%Beats 28%72 / 98
Capital
Tier 1 Capital Ratio15.29%11.81%13.71%17.33%Beats 64%35 / 98
Total Risk-Based Capital Ratio16.24%11.81%14.13%17.45%Beats 64%35 / 98
Equity / Assets6.87%8.60%11.34%13.10%Beats 7%91 / 98
Liquidity & Funding
Loans / Deposits49.70%57.09%69.84%82.47%14th pctl84 / 98
Loans / Assets45.01%49.34%58.31%68.94%15th pctl83 / 98
Brokered Deposits / Depositsn/aNot reported for this institution