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Community First National Bank

Manhattan, KS · Cert 35585 · Ttac Corp.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

49

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

61

Q2 2024Q2 2026peer median

Efficiency

64

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 First National Bank

Manhattan, KS · Cert 35585 · Ttac Corp.

National charter · OCC · 2 branches

Q2 2026

$374.7MAssets
$292.8MLoans
$326.7MDeposits
$40.6MEquity
Loan mix
82%RE $182.0M15%C&I $33.8M3%Consumer $6.8MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $278.7M15%Noninterest $48.0MQ2 2025Q2 2026

NIM

5.47%Q2 ’245.54%Q2 ’255.55%Q2 ’26-3%+8%

Non-interest income vs. expense

3.48%Q2 ’243.44%Q2 ’253.67%Q2 ’26-15%+8%

Market Position · Manhattan, KS · 2026 SOD (annual) · 7.2% share · #4 of 22 inst. · $0.3B of $4.5B

Executive Summary

  • Earnings: ROA of 1.88%, up 20 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.20% of loans (-131 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.94%, up 46 bps from a year ago.
  • Funding: loans stand at 89.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.88%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+27 bps YoY

Efficiency Ratio (YTD, annualized)

63.04%-16 bps YoY

Tier 1 Leverage Ratio

10.94%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.68%1.72%1.71%1.70%1.88%+20 bps
Return on Equity15.83%16.26%15.97%15.70%17.39%+156 bps
Net Interest Margin3.53%3.59%3.59%3.87%3.80%+27 bps
Efficiency Ratio63.20%62.97%63.64%63.42%63.04%-16 bps
Non-Interest Burden1.53%1.52%1.56%1.80%1.65%+12 bps
Growth
Asset Growth (YoY)6.00%4.13%6.14%4.13%4.99%-101 bps
Loan Growth (YoY)-0.62%1.32%4.16%5.15%5.95%+657 bps
Deposit Growth (YoY)5.86%4.24%6.10%3.73%4.43%-143 bps
Asset Quality
Nonperforming Loans / Loans1.51%1.48%1.62%0.13%0.20%-131 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.01%-0.01%-1 bps
Allowance / Loans1.73%1.72%1.69%1.66%1.70%-3 bps
Allowance Coverage of NPLs1.2x1.2x1.0x13.2x8.7x+7.5x
Capital
Tier 1 Leverage Ratio10.48%10.67%10.90%10.64%10.94%+46 bps
Total Risk-Based Capital10.48%10.67%10.90%13.63%14.34%+386 bps
Equity / Assets10.45%10.58%11.04%10.58%10.85%+40 bps
Liquidity & Funding
Loans / Deposits88.34%87.75%91.00%92.13%89.62%+128 bps
Liquid Assets / Assets17.68%17.87%15.98%13.83%17.36%-32 bps
CRE / Total Capitaln/a322%318%322%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 First National Bank

Manhattan, KS · Cert 35585 · Peer group: banks under $1B in assets (n=581-629) · Ttac Corp.

National charter · OCC · 2 branches

Q2 2026

$374.7MAssets
$292.8MLoans
$326.7MDeposits
$40.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 89% of banks under $1B in assets (rank 70 of 629).
  • Widest gap: tier 1 capital ratio trails 55% of banks under $1B in assets (rank 348 of 629).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.85%

Rank 89 of 629

Net Interest Margin

3.80%

Rank 228 of 629

Efficiency Ratio

63.04%

Rank 229 of 629

Equity / Assets

10.85%

Rank 301 of 629

Non-interest income vs. expense

$7.5M$13.7MINCOMEEXPENSE
Unfavorable gap of $6.1M · efficiency ratio beats 64% of banks under $1B in assets
Bank 63.04%Peer median 67.8%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.85%0.60%1.01%1.45%Beats 86%89 / 629
Return on Equity17.03%5.38%9.30%13.28%Beats 89%70 / 629
Net Interest Margin3.80%3.03%3.54%4.05%Beats 64%228 / 629
Efficiency Ratio63.04%58.35%67.79%79.08%Beats 64%229 / 629
Asset Quality
Nonperforming Loans / Loans0.20%0.09%0.46%1.20%Beats 65%202 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 59%240 / 581
Capital
Tier 1 Capital Ratio13.08%11.24%13.84%18.77%Beats 45%348 / 629
Total Risk-Based Capital Ratio14.34%11.58%14.43%19.66%Beats 49%319 / 629
Equity / Assets10.85%9.09%10.65%13.80%Beats 52%301 / 629
Liquidity & Funding
Loans / Deposits89.62%67.24%80.90%93.48%68th pctl191 / 594
Loans / Assets78.15%53.31%67.71%78.15%75th pctl159 / 629
Brokered Deposits / Depositsn/aNot reported for this institution