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Community Bank, The

Liberal, KS · Cert 34666 · Light Bancshares Corp.

State charter, non-member · FDIC · 2 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 KS3

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 KS (n=98). 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

75

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

28

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

Community Bank, The

Liberal, KS · Cert 34666 · Light Bancshares Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$173.5MAssets
$90.1MLoans
$152.2MDeposits
$19.8MEquity
Loan mix
61%RE $51.8M14%C&I $11.4M25%Consumer $21.0MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $112.3M26%Noninterest $39.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.14%, unchanged from a year ago; NIM at 3.55%.
  • Asset quality: problem loans at 0.04% of loans (-34 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.83%, down 1 bps from a year ago.
  • Funding: loans stand at 59.15% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.14%0 bps YoY

Net Interest Margin (YTD, annualized)

3.55%-6 bps YoY

Efficiency Ratio (YTD, annualized)

64.50%+31 bps YoY

Tier 1 Leverage Ratio

12.83%-1 bps YoY

NIM

4.86%Q2 ’244.99%Q2 ’254.82%Q2 ’26+9%-2%

Non-interest income vs. expense

2.62%Q2 ’242.69%Q2 ’252.67%Q2 ’26+9%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.07%1.09%1.14%1.15%1.15%1.08%1.14%0 bps
Return on Equity11.79%11.85%11.13%11.33%11.14%10.98%9.77%10.23%-110 bps
Net Interest Margin3.36%3.45%3.62%3.61%3.57%3.55%3.50%3.55%-6 bps
Efficiency Ratio66.24%65.56%65.25%64.19%64.33%64.36%65.37%64.50%+31 bps
Non-Interest Burden2.00%2.02%2.17%2.11%2.09%2.08%2.10%2.08%-3 bps
Growth
Asset Growth (YoY)1.79%0.98%-0.78%0.14%5.76%4.15%7.99%4.21%+407 bps
Loan Growth (YoY)7.55%9.86%7.64%2.92%3.26%3.49%-3.33%-3.22%-614 bps
Deposit Growth (YoY)-0.78%-0.03%-2.60%-0.55%4.91%2.03%7.07%3.28%+382 bps
Asset Quality
Nonperforming Loans / Loans0.76%0.51%0.40%0.38%0.11%0.16%0.09%0.04%-34 bps
Net Charge-Offs / Loans0.03%0.02%0.04%0.03%0.14%0.10%0.09%-0.01%-5 bps
Allowance / Loans1.70%1.67%1.64%1.60%1.52%1.47%1.53%1.53%-7 bps
Allowance Coverage of NPLs2.2x3.3x4.1x4.2x13.6x9.2x16.4x36.2x+32.0x
Capital
Tier 1 Leverage Ratio12.27%12.67%12.80%12.84%12.80%12.91%12.57%12.83%-1 bps
Total Risk-Based Capital19.38%19.88%19.83%19.94%21.11%21.14%22.36%21.88%+194 bps
Equity / Assets10.16%9.47%10.15%10.62%10.87%11.24%10.81%11.44%+82 bps
Liquidity & Funding
Loans / Deposits60.74%59.99%62.25%63.12%59.79%60.85%56.20%59.15%-397 bps
Liquid Assets / Assets2.38%5.23%3.60%3.48%5.35%3.73%9.87%4.64%+116 bps
CRE / Total Capitaln/an/an/an/a222%216%192.37%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

Community Bank, The

Liberal, KS · Cert 34666 · Peer group: banks under $1B in assets in KS (n=98) · Light Bancshares Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$173.5MAssets
$90.1MLoans
$152.2MDeposits
$19.8MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 87% of banks under $1B in assets in KS (rank 13 of 98).
  • Widest gap: net charge-offs / loans trails 74% of banks under $1B in assets in KS (rank 74 of 98).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.15%

Rank 58 of 98

Net Interest Margin

3.55%

Rank 55 of 98

Efficiency Ratio

64.50%

Rank 72 of 98

Equity / Assets

11.44%

Rank 48 of 98

Non-interest income vs. expense

$1.0M$4.7MINCOMEEXPENSE
Unfavorable gap of $3.7M · efficiency ratio beats 28% of banks under $1B in assets in KS
Bank 64.50%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.15%1.03%1.24%1.54%Beats 41%58 / 98
Return on Equity10.07%8.85%11.58%14.73%Beats 39%60 / 98
Net Interest Margin3.55%3.24%3.62%3.91%Beats 44%55 / 98
Efficiency Ratio64.50%51.87%58.88%64.74%Beats 28%72 / 98
Asset Quality
Nonperforming Loans / Loans0.04%0.01%0.33%1.05%Beats 72%28 / 98
Net Charge-Offs / Loans0.03%n/a0.00%0.03%Beats 26%74 / 98
Capital
Tier 1 Capital Ratio20.63%11.81%13.71%17.33%Beats 87%13 / 98
Total Risk-Based Capital Ratio21.88%11.81%14.13%17.45%Beats 87%13 / 98
Equity / Assets11.44%8.60%11.34%13.10%Beats 51%48 / 98
Liquidity & Funding
Loans / Deposits59.15%57.09%69.84%82.47%31st pctl68 / 98
Loans / Assets51.89%49.34%58.31%68.94%34th pctl65 / 98
Brokered Deposits / Depositsn/aNot reported for this institution