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Community National Bank & Trust

Chanute, KS · Cert 27046 · Community Bcorp Inc.

National charter · OCC · 44 branches

Q2 2026

$2.5BAssets
$1.7BLoans
$2.2BDeposits
$224.9MEquity
Loan mix
81%RE $1.2B16%C&I $0.2B4%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $1.8B19%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.07%Q2 ’245.43%Q2 ’255.51%Q2 ’26+18%+12%

Non-interest income vs. expense

2.66%Q2 ’242.81%Q2 ’252.78%Q2 ’26+7%-1%

Market Position · Wichita, KS · 2026 SOD (annual) · 0.9% share · #17 of 46 inst. · $0.2B of $23.2B

41.6% Montgomery
43.4% Allen
17.6% Crawford
28.7% Neosho

Executive Summary

  • Earnings: ROA of 1.30%, up 33 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.80% of loans (-12 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 8.97%, up 52 bps from a year ago.
  • Funding: loans stand at 76.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.30%+33 bps YoY

Net Interest Margin (quarter, annualized)

3.84%+40 bps YoY

Efficiency Ratio (quarter, annualized)

61.03%-665 bps YoY

Tier 1 Leverage Ratio

8.97%+52 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%1.23%1.15%1.04%1.30%+33 bps
Return on Equity12.31%14.87%13.20%11.99%14.83%+252 bps
Net Interest Margin3.44%3.55%3.71%3.65%3.84%+40 bps
Efficiency Ratio67.68%63.30%62.69%65.90%61.03%-665 bps
Non-Interest Burden2.08%1.87%2.06%2.18%2.05%-3 bps
Growth
Asset Growth (YoY)2.30%6.71%10.13%10.01%12.11%+981 bps
Loan Growth (YoY)5.76%9.72%9.65%10.95%11.08%+532 bps
Deposit Growth (YoY)4.37%8.11%11.22%11.26%10.83%+647 bps
Asset Quality
Nonperforming Loans / Loans0.92%0.87%0.77%0.86%0.80%-12 bps
Net Charge-Offs / Loans0.00%0.03%0.10%0.06%0.04%+3 bps
Allowance / Loans1.18%1.19%1.19%1.19%1.20%+3 bps
Allowance Coverage of NPLs1.3x1.4x1.5x1.4x1.5x+0.2x
Capital
Tier 1 Leverage Ratio8.45%8.90%8.85%8.87%8.97%+52 bps
Total Risk-Based Capital13.37%13.59%14.01%13.59%14.24%+87 bps
Equity / Assets7.89%8.68%8.69%8.62%8.88%+99 bps
Liquidity & Funding
Loans / Deposits76.64%77.09%76.61%76.30%76.81%+17 bps
Liquid Assets / Assets3.20%4.27%5.83%7.14%7.26%+406 bps
CRE / Total Capitaln/a250%250%254%n/an/a