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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

5.29%Q2 ’245.45%Q2 ’255.57%Q2 ’26+4%+5%

Non-interest income vs. expense

2.31%Q2 ’242.40%Q2 ’252.60%Q2 ’26-6%+20%

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 1.56%, down 5 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 1.11% of loans (-16 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.56%-5 bps YoY

Net Interest Margin (quarter, annualized)

3.74%+19 bps YoY

Efficiency Ratio (quarter, annualized)

55.55%+298 bps YoY

Tier 1 Leverage Ratio

23.84%-34 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.62%1.59%1.07%1.64%1.56%-5 bps
Return on Equity7.06%6.87%4.72%7.30%6.80%-26 bps
Net Interest Margin3.55%3.58%3.55%3.64%3.74%+19 bps
Efficiency Ratio52.57%56.03%58.32%54.86%55.55%+298 bps
Non-Interest Burden1.38%1.58%1.66%1.56%1.66%+28 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 / Loans0.04%0.01%0.41%-0.03%0.00%-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