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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

$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