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Exchange Bank & Trust

Atchison, KS · Cert 4619 · Exchange Bankshares Corp. of KS

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

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 in KS (n=98). 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

48

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

84

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

Exchange Bank & Trust

Atchison, KS · Cert 4619 · Exchange Bankshares Corp. of KS

State charter, non-member · FDIC · 10 branches

Q2 2026

$626.8MAssets
$365.6MLoans
$539.7MDeposits
$79.7MEquity
Loan mix
71%RE $241.1M10%C&I $32.5M19%Consumer $64.3MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $512.9M5%Noninterest $26.9MQ2 2025Q2 2026

NIM

4.76%Q2 ’245.17%Q2 ’255.17%Q2 ’26+7%+4%

Non-interest income vs. expense

2.22%Q2 ’242.09%Q2 ’252.13%Q2 ’26-3%+2%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #57 of 114 inst. · $0.2B of $99.1B

54.4% Atchison
8.9% Leavenworth
1.3% Buchanan
9.7% Doniphan

Executive Summary

  • Earnings: ROA of 1.70%, up 7 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 0.23% of loans (+17 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.97%, up 85 bps from a year ago.
  • Funding: loans stand at 67.74% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.70%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.90%+13 bps YoY

Efficiency Ratio (YTD, annualized)

49.46%-86 bps YoY

Tier 1 Leverage Ratio

12.97%+85 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.63%1.68%1.57%1.64%1.70%+7 bps
Return on Equity14.23%14.35%13.34%13.46%13.75%-48 bps
Net Interest Margin3.76%3.89%3.84%3.86%3.90%+13 bps
Efficiency Ratio50.32%50.02%53.55%50.46%49.46%-86 bps
Non-Interest Burden1.70%1.74%1.87%1.74%1.72%+3 bps
Growth
Asset Growth (YoY)7.50%5.31%6.66%4.32%5.27%-223 bps
Loan Growth (YoY)1.20%-1.25%-3.70%-4.71%-6.47%-768 bps
Deposit Growth (YoY)6.35%4.21%4.68%3.21%4.45%-190 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.05%0.06%0.07%0.23%+17 bps
Net Charge-Offs / Loans0.03%0.03%0.03%0.01%0.01%-3 bps
Allowance / Loans1.36%1.37%1.40%1.44%1.44%+8 bps
Allowance Coverage of NPLs22.0x27.7x24.9x19.6x6.2x-15.7x
Capital
Tier 1 Leverage Ratio12.12%12.80%12.64%12.69%12.97%+85 bps
Total Risk-Based Capital12.12%12.80%12.64%12.69%12.97%+85 bps
Equity / Assets11.96%12.54%12.03%12.29%12.71%+75 bps
Liquidity & Funding
Loans / Deposits75.65%75.53%69.53%67.50%67.74%-791 bps
Liquid Assets / Assets8.05%8.01%13.82%12.99%10.84%+279 bps
CRE / Total Capitaln/a104.23%94.50%86.56%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

Exchange Bank & Trust

Atchison, KS · Cert 4619 · Peer group: banks under $1B in assets in KS (n=98) · Exchange Bankshares Corp. of KS

State charter, non-member · FDIC · 10 branches

Q2 2026

$626.8MAssets
$365.6MLoans
$539.7MDeposits
$79.7MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 85% of banks under $1B in assets in KS (rank 15 of 98).
  • Widest gap: total risk-based capital ratio trails 64% of banks under $1B in assets in KS (rank 63 of 98).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.70%

Rank 15 of 98

Net Interest Margin

3.90%

Rank 27 of 98

Efficiency Ratio

49.46%

Rank 17 of 98

Equity / Assets

12.71%

Rank 32 of 98

Non-interest income vs. expense

$2.6M$13.5MINCOMEEXPENSE
Unfavorable gap of $11.0M · efficiency ratio beats 84% of banks under $1B in assets in KS
Bank 49.46%Peer median 58.9%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.70%1.03%1.24%1.54%Beats 85%15 / 98
Return on Equity13.38%8.85%11.58%14.73%Beats 68%31 / 98
Net Interest Margin3.90%3.24%3.62%3.91%Beats 72%27 / 98
Efficiency Ratio49.46%51.87%58.88%64.74%Beats 84%17 / 98
Asset Quality
Nonperforming Loans / Loans0.23%0.01%0.33%1.05%Beats 58%42 / 98
Net Charge-Offs / Loans0.01%n/a0.00%0.03%Beats 39%61 / 98
Capital
Tier 1 Capital Ratio12.97%11.81%13.71%17.33%Beats 42%57 / 98
Total Risk-Based Capital Ratio12.97%11.81%14.13%17.45%Beats 36%63 / 98
Equity / Assets12.71%8.60%11.34%13.10%Beats 67%32 / 98
Liquidity & Funding
Loans / Deposits67.74%57.09%69.84%82.47%45th pctl54 / 98
Loans / Assets58.33%49.34%58.31%68.94%51st pctl48 / 98
Brokered Deposits / Depositsn/aNot reported for this institution