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NBKC Bank

Leawood, KS · Cert 35014 · Ameri-National Corp.

State charter, non-member · FDIC · 4 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

98

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

8

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

NBKC Bank

Leawood, KS · Cert 35014 · Ameri-National Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$1.2BAssets
$915.6MLoans
$1.0BDeposits
$209.0MEquity
Loan mix
93%RE $819.2M4%C&I $39.2M3%Consumer $26.1MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $640.5M36%Noninterest $365.7MQ2 2025Q2 2026

NIM

5.20%Q2 ’245.26%Q2 ’255.06%Q2 ’26-6%-1%

Non-interest income vs. expense

7.68%Q2 ’247.69%Q2 ’258.00%Q2 ’26-69%+141%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 1.0% share · #18 of 114 inst. · $1.0B of $99.1B

0.9% Jackson
1.7% Johnson
1.2% Clay

Executive Summary

  • Earnings: ROA of 1.84%, down 42 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 1.45% of loans (+59 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 17.13%, down 41 bps from a year ago.
  • Funding: loans stand at 90.99% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.84%-42 bps YoY

Net Interest Margin (YTD, annualized)

3.39%-3 bps YoY

Efficiency Ratio (YTD, annualized)

77.21%+524 bps YoY

Tier 1 Leverage Ratio

17.13%-41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.26%2.12%2.12%1.38%1.84%-42 bps
Return on Equity13.90%12.88%12.98%8.40%11.14%-276 bps
Net Interest Margin3.42%3.55%3.34%3.44%3.39%-3 bps
Efficiency Ratio71.97%73.23%73.72%82.02%77.21%+524 bps
Non-Interest Burden0.42%0.71%0.69%1.59%1.02%+60 bps
Growth
Asset Growth (YoY)2.64%2.64%9.91%8.26%8.22%+558 bps
Loan Growth (YoY)7.96%5.97%10.57%8.66%10.09%+213 bps
Deposit Growth (YoY)3.63%4.69%10.70%8.70%8.96%+533 bps
Asset Quality
Nonperforming Loans / Loans0.86%1.19%1.11%1.28%1.45%+59 bps
Net Charge-Offs / Loans0.09%0.06%0.05%0.03%0.04%-5 bps
Allowance / Loans1.37%1.37%1.33%1.33%1.29%-8 bps
Allowance Coverage of NPLs1.6x1.2x1.2x1.0x0.9x-0.7x
Capital
Tier 1 Leverage Ratio17.54%17.91%16.70%17.35%17.13%-41 bps
Total Risk-Based Capital24.65%24.40%23.55%23.61%23.30%-135 bps
Equity / Assets16.95%17.03%16.04%16.77%16.84%-11 bps
Liquidity & Funding
Loans / Deposits90.06%91.20%86.93%90.02%90.99%+94 bps
Liquid Assets / Assets8.70%7.61%9.92%6.57%5.15%-355 bps
CRE / Total Capitaln/a174.03%174.50%171.29%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

NBKC Bank

Leawood, KS · Cert 35014 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Ameri-National Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$1.2BAssets
$915.6MLoans
$1.0BDeposits
$209.0MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 98% of banks $1B-$10B in assets operating regionally (rank 4 of 176).
  • Widest gap: efficiency ratio trails 92% of banks $1B-$10B in assets operating regionally (rank 163 of 176).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.84%

Rank 16 of 176

Net Interest Margin

3.39%

Rank 113 of 176

Efficiency Ratio

77.21%

Rank 163 of 176

Equity / Assets

16.84%

Rank 3 of 176

Non-interest income vs. expense

$86.9M$99.7MINCOMEEXPENSE
Unfavorable gap of $12.8M · efficiency ratio beats 8% of banks $1B-$10B in assets operating regionally
Bank 77.21%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.84%0.93%1.26%1.54%Beats 91%16 / 176
Return on Equity10.95%9.26%11.89%14.46%Beats 40%105 / 176
Net Interest Margin3.39%3.25%3.59%3.93%Beats 36%113 / 176
Efficiency Ratio77.21%52.79%59.55%67.66%Beats 8%163 / 176
Asset Quality
Nonperforming Loans / Loans1.45%0.30%0.64%1.32%Beats 19%144 / 176
Net Charge-Offs / Loans0.02%0.01%0.04%0.10%Beats 62%68 / 176
Capital
Tier 1 Capital Ratio22.05%11.15%12.72%14.15%Beats 98%4 / 176
Total Risk-Based Capital Ratio23.30%11.81%13.63%15.33%Beats 98%4 / 176
Equity / Assets16.84%9.16%10.35%11.80%Beats 98%3 / 176
Liquidity & Funding
Loans / Deposits90.99%80.94%89.73%97.21%56th pctl78 / 176
Loans / Assets73.76%69.25%75.12%80.82%43rd pctl100 / 176
Brokered Deposits / Depositsn/aNot reported for this institution