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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