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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 $118.5MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $574.7M17%Noninterest $119.1MQ3 2024Q2 2026

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 0.67%, up 61 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 0.45% of loans (-21 bps YoY), with net charge-offs at 0.25%.
  • 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.

Return on Assets (quarter, annualized)

0.67%+61 bps YoY

Net Interest Margin (quarter, annualized)

2.62%+38 bps YoY

Efficiency Ratio (quarter, annualized)

75.76%-2,122 bps YoY

Tier 1 Leverage Ratio

11.32%+15 bps YoY

NIM

5.04%Q2 ’244.86%Q2 ’254.84%Q2 ’26-6%+17%

Non-interest income vs. expense

2.78%Q2 ’242.60%Q2 ’252.60%Q2 ’26-9%-17%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.39%-1.86%-0.08%0.06%0.10%-2.22%0.15%0.67%+61 bps
Return on Equity-3.60%-17.36%-0.77%0.55%0.97%-20.64%1.39%6.25%+570 bps
Net Interest Margin2.23%2.07%2.18%2.23%2.28%1.82%2.40%2.62%+38 bps
Efficiency Ratio96.77%125.78%104.04%96.98%94.87%90.48%94.28%75.76%-2,122 bps
Non-Interest Burden2.14%2.70%2.29%2.15%2.14%1.58%2.24%1.79%-36 bps
Growth
Asset Growth (YoY)7.35%2.30%3.04%2.55%-0.59%-0.64%0.02%-0.81%-336 bps
Loan Growth (YoY)1.19%2.26%1.17%0.65%-0.87%-2.19%0.32%1.05%+40 bps
Deposit Growth (YoY)14.16%6.44%1.71%-0.02%-3.68%-1.88%2.69%2.75%+277 bps
Asset Quality
Nonperforming Loans / Loans0.51%0.61%0.57%0.66%0.80%0.75%0.52%0.45%-21 bps
Net Charge-Offs / Loans1.06%0.98%0.75%0.60%0.55%0.55%0.33%0.25%-36 bps
Allowance / Loans1.76%1.97%1.80%1.64%1.54%1.45%1.34%1.31%-33 bps
Allowance Coverage of NPLs3.4x3.2x3.1x2.5x1.9x1.9x2.6x2.9x+0.4x
Capital
Tier 1 Leverage Ratio11.88%11.45%11.23%11.17%11.14%11.14%11.16%11.32%+15 bps
Total Risk-Based Capital11.88%11.45%11.23%11.17%11.14%11.14%11.16%11.32%+15 bps
Equity / Assets10.74%10.70%10.66%10.60%10.79%10.69%10.57%10.75%+15 bps
Liquidity & Funding
Loans / Deposits108.61%113.15%113.66%112.95%111.78%112.79%111.04%111.08%-187 bps
Liquid Assets / Assets3.55%3.41%3.82%3.12%3.10%2.86%4.19%4.21%+109 bps
CRE / Total Capitaln/an/an/an/a56.77%57.71%62.79%n/an/a