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Argentine Federal Savings

Kansas City, KS · Cert 28507

State savings bank · OCC · 2 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

Trailing 9 quarters, through Q2 2026

Capital

44

Q2 2024Q2 2026Peer median (50)

Asset Quality

54

Q2 2024Q2 2026Peer median (50)

Profitability

3

Q2 2024Q2 2026Peer median (50)

Liquidity

91

Q2 2024Q2 2026Peer median (100)

Efficiency

7

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

Argentine Federal Savings

Kansas City, KS · Cert 28507

State savings bank · OCC · 2 branches

Q2 2026

$70.4MAssets
$48.0MLoans
$56.0MDeposits
$8.2MEquity
Loan mix
100%RE $47.7M0%C&I $0.0M0%Consumer $0.2MQ3 2024Q2 2026
Deposit mix
92%Interest-bearing $51.6M8%Noninterest $4.4MQ3 2024Q2 2026

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #92 of 114 inst. · $0.1B of $99.1B

0.1% Johnson
1.0% Wyandotte

Executive Summary

  • Earnings: ROA of 0.15%, up 14 bps year over year; NIM at 2.44%.
  • Asset quality: problem loans at 2.11% of loans (+127 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.71%, down 6 bps from a year ago.
  • Funding: loans stand at 85.75% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.15%+14 bps YoY

Net Interest Margin (YTD, annualized)

2.44%+9 bps YoY

Efficiency Ratio (YTD, annualized)

90.04%-733 bps YoY

Tier 1 Leverage Ratio

11.71%-6 bps YoY

NIM

4.40%Q2 ’245.08%Q2 ’255.12%Q2 ’26+24%+4%

Non-interest income vs. expense

2.11%Q2 ’242.38%Q2 ’252.43%Q2 ’26+26%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.06%0.05%-0.05%0.01%0.03%0.10%0.14%0.15%+14 bps
Return on Equity0.45%0.41%-0.40%0.07%0.26%0.85%1.23%1.32%+125 bps
Net Interest Margin1.87%2.00%2.26%2.35%2.38%2.44%2.40%2.44%+9 bps
Efficiency Ratio97.23%97.69%100.26%97.37%96.80%92.21%91.01%90.04%-733 bps
Non-Interest Burden1.81%1.94%2.27%2.28%2.30%2.24%2.16%2.17%-12 bps
Growth
Asset Growth (YoY)3.71%8.83%8.38%9.11%7.14%6.29%3.59%2.38%-674 bps
Loan Growth (YoY)9.08%21.15%18.63%17.61%18.05%12.18%8.94%7.15%-1,046 bps
Deposit Growth (YoY)9.78%5.90%5.35%10.37%-4.79%1.04%10.01%4.06%-631 bps
Asset Quality
Nonperforming Loans / Loans0.65%0.60%0.77%0.84%0.18%0.76%1.70%2.11%+127 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.90%0.80%0.81%0.82%0.80%0.82%0.86%0.88%+6 bps
Allowance Coverage of NPLs1.4x1.3x1.1x1.0x4.4x1.1x0.5x0.4x-0.6x
Capital
Tier 1 Leverage Ratio12.82%12.49%12.06%11.77%11.87%11.62%11.40%11.71%-6 bps
Total Risk-Based Capital12.82%12.49%12.06%11.77%11.87%11.62%11.40%11.71%-6 bps
Equity / Assets12.56%12.04%11.84%11.73%11.76%11.42%11.57%11.63%-10 bps
Liquidity & Funding
Loans / Deposits72.11%85.55%87.36%83.28%89.40%94.98%86.51%85.75%+247 bps
Liquid Assets / Assets32.66%30.16%29.15%28.36%27.95%26.48%26.71%26.09%-226 bps
CRE / Total Capitaln/an/an/an/a54.53%65.27%71.89%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 2026-10-12

Argentine Federal Savings

Kansas City, KS · Cert 28507 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40)

State savings bank · OCC · 2 branches

Q2 2026

$70.4MAssets
$48.0MLoans
$56.0MDeposits
$8.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 15 of 39).
  • Widest gap: net interest margin 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 2 of 9 directional measures.

Return on Assets

0.15%

Rank 39 of 40

Net Interest Margin

2.44%

Rank 40 of 40

Efficiency Ratio

90.04%

Rank 38 of 40

Equity / Assets

11.63%

Rank 12 of 40

Non-interest income vs. expense

$0.2M$1.7MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 7% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 90.04%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.15%1.02%1.39%1.86%Beats 3%39 / 40
Return on Equity1.32%10.74%14.78%21.32%Beats 5%38 / 40
Net Interest Margin2.44%3.33%4.05%4.63%Beats 0%40 / 40
Efficiency Ratio90.04%51.70%58.10%69.29%Beats 7%38 / 40
Asset Quality
Nonperforming Loans / Loans2.11%0.05%0.20%1.11%Beats 8%37 / 39
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%15 / 39
Capital
Tier 1 Capital Ratio11.71%11.32%12.27%16.94%Beats 33%27 / 40
Total Risk-Based Capital Ratio11.71%11.32%13.09%17.63%Beats 30%28 / 40
Equity / Assets11.63%8.41%10.10%12.34%Beats 70%12 / 40
Liquidity & Funding
Loans / Deposits85.75%73.50%85.60%94.85%53rd pctl19 / 40
Loans / Assets68.21%62.75%69.87%79.23%38th pctl25 / 40
Brokered Deposits / Depositsn/aNot reported for this institution