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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

5.21%Q2 ’245.40%Q2 ’255.10%Q2 ’26-1%-3%

Non-interest income vs. expense

7.64%Q2 ’248.10%Q2 ’257.85%Q2 ’26-248%+169%

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 2.32%, down 83 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 1.45% of loans (+59 bps YoY), with net charge-offs at 0.05%.
  • 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 (quarter, annualized)

2.32%-83 bps YoY

Net Interest Margin (quarter, annualized)

3.44%-9 bps YoY

Efficiency Ratio (quarter, annualized)

72.78%+726 bps YoY

Tier 1 Leverage Ratio

17.13%-41 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.16%1.85%2.16%1.38%2.32%-83 bps
Return on Equity19.01%10.88%13.08%8.40%13.83%-518 bps
Net Interest Margin3.53%3.79%3.56%3.44%3.44%-9 bps
Efficiency Ratio65.52%75.82%75.04%82.02%72.78%+726 bps
Non-Interest Burden-0.73%1.28%0.78%1.59%0.50%+123 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%0.01%0.03%0.03%0.05%-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