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Fidelity Bank, National Association

Wichita, KS · Cert 30895 · Fidelity Financial Corp.

National charter · OCC · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=176). 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

30

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

19

Q2 2024Q2 2026peer median

Efficiency

39

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

Fidelity Bank, National Association

Wichita, KS · Cert 30895 · Fidelity Financial Corp.

National charter · OCC · 16 branches

Q2 2026

$3.3BAssets
$2.6BLoans
$2.6BDeposits
$324.2MEquity
Loan mix
81%RE $2.1B17%C&I $0.4B3%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $2.2B16%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.85%Q2 ’245.71%Q2 ’255.75%Q2 ’26+16%+12%

Non-interest income vs. expense

2.68%Q2 ’242.71%Q2 ’252.68%Q2 ’26+10%+8%

Market Position · Wichita, KS · 2026 SOD (annual) · 9.8% share · #3 of 46 inst. · $2.3B of $23.2B

11.5% Sedgwick
0.4% Oklahoma
0.2% Tulsa
0.2% Johnson

Executive Summary

  • Earnings: ROA of 1.16%, up 22 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.75% of loans (+43 bps YoY), with net recoveries of 0.07%.
  • Capital: tier 1 leverage ratio of 9.99%, up 12 bps from a year ago.
  • Funding: loans stand at 100.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.16%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+39 bps YoY

Efficiency Ratio (YTD, annualized)

63.73%-379 bps YoY

Tier 1 Leverage Ratio

9.99%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.91%0.99%1.05%1.16%+22 bps
Return on Equity9.75%9.54%10.30%10.89%11.90%+214 bps
Net Interest Margin3.33%3.37%3.39%3.61%3.72%+39 bps
Efficiency Ratio67.52%67.50%66.42%67.29%63.73%-379 bps
Non-Interest Burden2.02%2.06%2.04%2.30%2.19%+17 bps
Growth
Asset Growth (YoY)3.09%5.19%5.69%4.09%1.14%-195 bps
Loan Growth (YoY)3.29%4.84%6.90%5.08%2.17%-113 bps
Deposit Growth (YoY)11.11%3.34%1.37%1.87%-3.50%-1,461 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.52%0.49%0.82%0.75%+43 bps
Net Charge-Offs / Loans0.04%0.04%-0.01%-0.16%-0.07%-11 bps
Allowance / Loans1.28%1.29%1.29%1.30%1.32%+4 bps
Allowance Coverage of NPLs4.0x2.5x2.6x1.6x1.8x-2.2x
Capital
Tier 1 Leverage Ratio9.87%9.92%9.95%9.92%9.99%+12 bps
Total Risk-Based Capital12.01%11.82%11.94%12.09%12.16%+15 bps
Equity / Assets9.64%9.55%9.66%9.70%9.83%+19 bps
Liquidity & Funding
Loans / Deposits94.88%102.71%101.07%99.25%100.45%+557 bps
Liquid Assets / Assets5.24%3.40%3.15%3.12%3.15%-209 bps
CRE / Total Capitaln/a483%461%461%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

Fidelity Bank, National Association

Wichita, KS · Cert 30895 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Fidelity Financial Corp.

National charter · OCC · 16 branches

Q2 2026

$3.3BAssets
$2.6BLoans
$2.6BDeposits
$324.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 64% of banks $1B-$10B in assets operating regionally (rank 65 of 176).
  • Widest gap: tier 1 capital ratio trails 78% of banks $1B-$10B in assets operating regionally (rank 137 of 176).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.17%

Rank 100 of 176

Net Interest Margin

3.72%

Rank 71 of 176

Efficiency Ratio

63.79%

Rank 109 of 176

Equity / Assets

9.83%

Rank 110 of 176

Non-interest income vs. expense

$15.7M$86.7MINCOMEEXPENSE
Unfavorable gap of $71.0M · efficiency ratio beats 39% of banks $1B-$10B in assets operating regionally
Bank 63.79%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.93%1.26%1.54%Beats 43%100 / 176
Return on Equity11.89%9.26%11.89%14.46%Beats 50%88 / 176
Net Interest Margin3.72%3.25%3.59%3.93%Beats 60%71 / 176
Efficiency Ratio63.79%52.79%59.55%67.66%Beats 39%109 / 176
Asset Quality
Nonperforming Loans / Loans0.75%0.30%0.64%1.32%Beats 44%100 / 176
Net Charge-Offs / Loans0.02%0.01%0.04%0.10%Beats 64%65 / 176
Capital
Tier 1 Capital Ratio10.97%11.15%12.72%14.15%Beats 22%137 / 176
Total Risk-Based Capital Ratio12.16%11.81%13.63%15.33%Beats 29%125 / 176
Equity / Assets9.83%9.16%10.35%11.80%Beats 38%110 / 176
Liquidity & Funding
Loans / Deposits100.45%80.94%89.73%97.21%83rd pctl30 / 176
Loans / Assets78.74%69.25%75.12%80.82%66th pctl59 / 176
Brokered Deposits / Depositsn/aNot reported for this institution