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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