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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

5.67%Q2 ’245.69%Q2 ’255.61%Q2 ’26-5%+6%

Non-interest income vs. expense

3.50%Q2 ’243.61%Q2 ’253.83%Q2 ’26-25%+11%

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

Executive Summary

  • Earnings: ROA of 2.07%, up 20 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.20% of loans (-131 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

2.07%+20 bps YoY

Net Interest Margin (quarter, annualized)

3.81%+20 bps YoY

Efficiency Ratio (quarter, annualized)

62.68%+85 bps YoY

Tier 1 Leverage Ratio

10.94%+46 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.86%1.81%1.65%1.70%2.07%+20 bps
Return on Equity17.81%17.21%15.23%15.70%19.28%+147 bps
Net Interest Margin3.61%3.77%3.77%3.87%3.81%+20 bps
Efficiency Ratio61.83%62.57%65.52%63.42%62.68%+85 bps
Non-Interest Burden1.38%1.53%1.77%1.80%1.53%+15 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%0.01%-0.01%0.00%-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