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Bank of Commerce

Chanute, KS · Cert 26217 · Southeast Bancshares Inc.

State charter, Fed member · FED · 15 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

48

Q2 2024Q2 2026peer median (50)

Asset Quality

86

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

70

Q2 2024Q2 2026peer median

Efficiency

39

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

Bank of Commerce

Chanute, KS · Cert 26217 · Southeast Bancshares Inc.

State charter, Fed member · FED · 15 branches

Q2 2026

$497.5MAssets
$334.2MLoans
$439.3MDeposits
$47.9MEquity
Loan mix
81%RE $219.1M15%C&I $39.8M4%Consumer $11.2MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $341.6M22%Noninterest $97.7MQ2 2025Q2 2026

NIM

4.63%Q2 ’244.83%Q2 ’254.89%Q2 ’26+2%+5%

Non-interest income vs. expense

2.43%Q2 ’242.44%Q2 ’252.42%Q2 ’26-4%+1%

Market Position · Wichita, KS · 2026 SOD (annual) · 0.0% share · #45 of 46 inst. · $0.0B of $23.2B

35.2% Neosho
24.1% Wilson
11.7% Labette
37.1% Elk

Executive Summary

  • Earnings: ROA of 1.17%, up 13 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.05% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.19%, up 4 bps from a year ago.
  • Funding: loans stand at 76.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.17%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+16 bps YoY

Efficiency Ratio (YTD, annualized)

62.28%-257 bps YoY

Tier 1 Leverage Ratio

9.19%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.06%1.02%1.06%1.17%+13 bps
Return on Equity10.99%10.99%10.60%11.22%12.26%+127 bps
Net Interest Margin3.25%3.30%3.30%3.39%3.41%+16 bps
Efficiency Ratio64.85%64.59%65.75%64.80%62.28%-257 bps
Non-Interest Burden1.91%1.94%2.00%2.04%1.93%+2 bps
Growth
Asset Growth (YoY)4.28%4.93%6.50%6.47%5.96%+168 bps
Loan Growth (YoY)6.37%3.86%7.79%5.86%5.57%-79 bps
Deposit Growth (YoY)4.29%5.41%6.90%5.63%5.43%+114 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.00%0.00%0.01%0.05%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.21%1.25%1.22%1.19%1.17%-4 bps
Allowance Coverage of NPLs24.8x968.3x1953.0x95.3x22.9x-1.9x
Capital
Tier 1 Leverage Ratio9.15%9.37%9.27%9.19%9.19%+4 bps
Total Risk-Based Capital14.68%14.99%14.68%14.73%14.92%+24 bps
Equity / Assets9.56%9.92%9.53%9.44%9.63%+7 bps
Liquidity & Funding
Loans / Deposits75.98%75.27%74.42%74.34%76.08%+10 bps
Liquid Assets / Assets25.02%26.28%26.73%27.89%26.44%+142 bps
CRE / Total Capitaln/a99.50%101.50%94.36%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

Bank of Commerce

Chanute, KS · Cert 26217 · Peer group: banks under $1B in assets in KS (n=98) · Southeast Bancshares Inc.

State charter, Fed member · FED · 15 branches

Q2 2026

$497.5MAssets
$334.2MLoans
$439.3MDeposits
$47.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: net interest margin trails 64% of banks under $1B in assets in KS (rank 63 of 98).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.16%

Rank 57 of 98

Net Interest Margin

3.41%

Rank 63 of 98

Efficiency Ratio

62.28%

Rank 61 of 98

Equity / Assets

9.63%

Rank 62 of 98

Non-interest income vs. expense

$2.4M$12.1MINCOMEEXPENSE
Unfavorable gap of $9.7M · efficiency ratio beats 39% of banks under $1B in assets in KS
Bank 62.28%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.16%1.03%1.24%1.54%Beats 42%57 / 98
Return on Equity12.06%8.85%11.58%14.73%Beats 58%41 / 98
Net Interest Margin3.41%3.24%3.62%3.91%Beats 36%63 / 98
Efficiency Ratio62.28%51.87%58.88%64.74%Beats 39%61 / 98
Asset Quality
Nonperforming Loans / Loans0.05%0.01%0.33%1.05%Beats 71%29 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio13.73%11.81%13.71%17.33%Beats 51%48 / 98
Total Risk-Based Capital Ratio14.92%11.81%14.13%17.45%Beats 57%42 / 98
Equity / Assets9.63%8.60%11.34%13.10%Beats 37%62 / 98
Liquidity & Funding
Loans / Deposits76.08%57.09%69.84%82.47%61st pctl38 / 98
Loans / Assets67.18%49.34%58.31%68.94%70th pctl29 / 98
Brokered Deposits / Depositsn/aNot reported for this institution