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Mutual Savings Association

Leavenworth, KS · Cert 29988

SL · FDIC · 6 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

95

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

1

Q2 2024Q2 2026peer median

Efficiency

65

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

Mutual Savings Association

Leavenworth, KS · Cert 29988

SL · FDIC · 6 branches

Q2 2026

$398.6MAssets
$277.1MLoans
$255.7MDeposits
$92.5MEquity
Loan mix
89%RE $244.0M9%C&I $26.1M2%Consumer $4.6MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $233.8M9%Noninterest $21.9MQ2 2025Q2 2026

NIM

5.17%Q2 ’245.38%Q2 ’255.58%Q2 ’26+5%+5%

Non-interest income vs. expense

2.44%Q2 ’242.45%Q2 ’252.58%Q2 ’26+0%+8%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #47 of 114 inst. · $0.2B of $99.1B

11.7% Leavenworth
10.6% Jefferson
0.6% Wyandotte
0.4% Douglas

Executive Summary

  • Earnings: ROA of 1.60%, up 3 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 1.11% of loans (-16 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 23.84%, down 34 bps from a year ago.
  • Funding: loans stand at 108.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.60%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.71%+18 bps YoY

Efficiency Ratio (YTD, annualized)

55.21%+58 bps YoY

Tier 1 Leverage Ratio

23.84%-34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%1.57%1.44%1.64%1.60%+3 bps
Return on Equity6.80%6.81%6.28%7.30%7.04%+24 bps
Net Interest Margin3.53%3.51%3.41%3.64%3.71%+18 bps
Efficiency Ratio54.63%55.11%55.95%54.86%55.21%+58 bps
Non-Interest Burden1.49%1.51%1.50%1.56%1.62%+12 bps
Growth
Asset Growth (YoY)5.66%6.26%12.05%8.18%7.19%+152 bps
Loan Growth (YoY)8.98%11.57%21.39%15.89%14.51%+552 bps
Deposit Growth (YoY)1.06%0.28%4.57%5.68%5.48%+443 bps
Asset Quality
Nonperforming Loans / Loans1.27%1.26%0.44%1.16%1.11%-16 bps
Net Charge-Offs / Loans0.02%0.02%0.12%-0.03%-0.01%-4 bps
Allowance / Loans1.02%1.01%1.03%1.05%1.02%0 bps
Allowance Coverage of NPLs0.8x0.8x2.4x0.9x0.9x+0.1x
Capital
Tier 1 Leverage Ratio24.18%24.14%23.44%23.12%23.84%-34 bps
Total Risk-Based Capital34.14%33.93%31.87%32.94%32.95%-119 bps
Equity / Assets22.97%23.25%22.18%22.81%23.20%+23 bps
Liquidity & Funding
Loans / Deposits99.80%102.12%109.87%105.48%108.34%+854 bps
Liquid Assets / Assets2.12%2.10%1.91%1.54%1.52%-59 bps
CRE / Total Capitaln/a116.17%136.21%126.46%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

Mutual Savings Association

Leavenworth, KS · Cert 29988 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40)

SL · FDIC · 6 branches

Q2 2026

$398.6MAssets
$277.1MLoans
$255.7MDeposits
$92.5MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 95% of banks under $1B in assets in the Kansas City, MO-KS area (rank 2 of 40).
  • Widest gap: return on equity trails 87% of banks under $1B in assets in the Kansas City, MO-KS area (rank 35 of 40).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.60%

Rank 15 of 40

Net Interest Margin

3.71%

Rank 26 of 40

Efficiency Ratio

55.21%

Rank 15 of 40

Equity / Assets

23.20%

Rank 2 of 40

Non-interest income vs. expense

$3.9M$10.3MINCOMEEXPENSE
Unfavorable gap of $6.5M · efficiency ratio beats 65% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 55.21%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.60%1.02%1.39%1.86%Beats 63%15 / 40
Return on Equity6.92%10.74%14.78%21.32%Beats 13%35 / 40
Net Interest Margin3.71%3.33%4.05%4.63%Beats 35%26 / 40
Efficiency Ratio55.21%51.70%58.10%69.29%Beats 65%15 / 40
Asset Quality
Nonperforming Loans / Loans1.11%0.05%0.20%1.11%Beats 26%30 / 39
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 54%19 / 39
Capital
Tier 1 Capital Ratio31.86%11.32%12.27%16.94%Beats 95%2 / 40
Total Risk-Based Capital Ratio32.95%11.32%13.09%17.63%Beats 95%2 / 40
Equity / Assets23.20%8.41%10.10%12.34%Beats 95%2 / 40
Liquidity & Funding
Loans / Deposits108.34%73.50%85.60%94.85%88th pctl5 / 40
Loans / Assets69.51%62.75%69.87%79.23%45th pctl22 / 40
Brokered Deposits / Depositsn/aNot reported for this institution