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First Federal Bank of Kansas City

Lees Summit, MO · Cert 29047 · Cosperity Bcorp Inc.

SI · FDIC · 9 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

Capital

37

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

10

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

First Federal Bank of Kansas City

Lees Summit, MO · Cert 29047 · Cosperity Bcorp Inc.

SI · FDIC · 9 branches

Q2 2026

$992.5MAssets
$770.7MLoans
$693.8MDeposits
$106.7MEquity
Loan mix
79%RE $604.9M5%C&I $41.8M15%Consumer $118.5MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $574.7M17%Noninterest $119.1MQ2 2025Q2 2026

NIM

4.96%Q2 ’244.85%Q2 ’254.82%Q2 ’26-7%+14%

Non-interest income vs. expense

2.78%Q2 ’242.62%Q2 ’252.63%Q2 ’26-5%-9%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.7% share · #22 of 114 inst. · $0.7B of $99.1B

0.8% Jackson
0.2% Johnson
2.4% Platte
1.0% Clay

Executive Summary

  • Earnings: ROA of 0.41%, up 42 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 0.45% of loans (-21 bps YoY), with net charge-offs at 0.29%.
  • Capital: tier 1 leverage ratio of 11.32%, up 15 bps from a year ago.
  • Funding: loans stand at 111.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.41%+42 bps YoY

Net Interest Margin (YTD, annualized)

2.51%+31 bps YoY

Efficiency Ratio (YTD, annualized)

84.11%-1,631 bps YoY

Tier 1 Leverage Ratio

11.32%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.01%0.03%-0.53%0.15%0.41%+42 bps
Return on Equity-0.11%0.25%-4.97%1.39%3.83%+394 bps
Net Interest Margin2.20%2.22%2.14%2.40%2.51%+31 bps
Efficiency Ratio100.42%98.53%96.55%94.28%84.11%-1,631 bps
Non-Interest Burden2.21%2.18%2.06%2.24%2.02%-19 bps
Growth
Asset Growth (YoY)2.55%-0.59%-0.64%0.02%-0.81%-336 bps
Loan Growth (YoY)0.65%-0.87%-2.19%0.32%1.05%+40 bps
Deposit Growth (YoY)-0.02%-3.68%-1.88%2.69%2.75%+277 bps
Asset Quality
Nonperforming Loans / Loans0.66%0.80%0.75%0.52%0.45%-21 bps
Net Charge-Offs / Loans0.67%0.64%0.62%0.33%0.29%-39 bps
Allowance / Loans1.64%1.54%1.45%1.34%1.31%-33 bps
Allowance Coverage of NPLs2.5x1.9x1.9x2.6x2.9x+0.4x
Capital
Tier 1 Leverage Ratio11.17%11.14%11.14%11.16%11.32%+15 bps
Total Risk-Based Capital11.17%11.14%11.14%11.16%11.32%+15 bps
Equity / Assets10.60%10.79%10.69%10.57%10.75%+15 bps
Liquidity & Funding
Loans / Deposits112.95%111.78%112.79%111.04%111.08%-187 bps
Liquid Assets / Assets3.12%3.10%2.86%4.19%4.21%+109 bps
CRE / Total Capitaln/a56.77%57.71%62.79%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

First Federal Bank of Kansas City

Lees Summit, MO · Cert 29047 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Cosperity Bcorp Inc.

SI · FDIC · 9 branches

Q2 2026

$992.5MAssets
$770.7MLoans
$693.8MDeposits
$106.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 60% of banks under $1B in assets in the Kansas City, MO-KS area (rank 16 of 40).
  • Widest gap: net interest margin trails 97% of banks under $1B in assets in the Kansas City, MO-KS area (rank 39 of 40).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.41%

Rank 37 of 40

Net Interest Margin

2.51%

Rank 39 of 40

Efficiency Ratio

84.28%

Rank 37 of 40

Equity / Assets

10.75%

Rank 16 of 40

Non-interest income vs. expense

$6.1M$26.0MINCOMEEXPENSE
Unfavorable gap of $20.0M · efficiency ratio beats 10% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 84.28%Peer median 58.1%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.41%1.02%1.39%1.86%Beats 8%37 / 40
Return on Equity3.78%10.74%14.78%21.32%Beats 8%37 / 40
Net Interest Margin2.51%3.33%4.05%4.63%Beats 3%39 / 40
Efficiency Ratio84.28%51.70%58.10%69.29%Beats 10%37 / 40
Asset Quality
Nonperforming Loans / Loans0.45%0.05%0.20%1.11%Beats 41%24 / 39
Net Charge-Offs / Loans0.21%n/a0.00%0.05%Beats 15%34 / 39
Capital
Tier 1 Capital Ratio11.32%11.32%12.27%16.94%Beats 25%30 / 40
Total Risk-Based Capital Ratio11.32%11.32%13.09%17.63%Beats 25%30 / 40
Equity / Assets10.75%8.41%10.10%12.34%Beats 60%16 / 40
Liquidity & Funding
Loans / Deposits111.08%73.50%85.60%94.85%90th pctl4 / 40
Loans / Assets77.65%62.75%69.87%79.23%65th pctl14 / 40
Brokered Deposits / Depositsn/aNot reported for this institution