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American Bank of Baxter Springs

Baxter Springs, KS · Cert 4624 · American Bancshares Inc.

State charter, Fed member · FED · 3 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

21

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

61

Q2 2024Q2 2026peer median

Efficiency

69

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

American Bank of Baxter Springs

Baxter Springs, KS · Cert 4624 · American Bancshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$170.2MAssets
$104.0MLoans
$152.3MDeposits
$17.4MEquity
Loan mix
90%RE $83.9M9%C&I $8.8M1%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $133.5M12%Noninterest $18.9MQ2 2025Q2 2026

NIM

4.26%Q2 ’244.52%Q2 ’254.71%Q2 ’26-2%-3%

Non-interest income vs. expense

2.82%Q2 ’242.16%Q2 ’252.36%Q2 ’26-23%+11%

Market Position · Joplin, MO-KS · 2026 SOD (annual) · 3.1% share · #10 of 22 inst. · $0.2B of $4.9B

Executive Summary

  • Earnings: ROA of 1.09%, down 32 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.98%, up 35 bps from a year ago.
  • Funding: loans stand at 68.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%-32 bps YoY

Net Interest Margin (YTD, annualized)

3.51%-12 bps YoY

Efficiency Ratio (YTD, annualized)

61.39%+675 bps YoY

Tier 1 Leverage Ratio

9.98%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.30%1.05%0.90%1.09%-32 bps
Return on Equity16.45%14.78%11.97%10.14%11.67%-478 bps
Net Interest Margin3.63%3.45%3.38%3.33%3.51%-12 bps
Efficiency Ratio54.64%56.97%62.97%65.42%61.39%+675 bps
Non-Interest Burden1.84%1.77%1.98%2.09%2.03%+19 bps
Growth
Asset Growth (YoY)29.63%30.48%32.48%-2.37%-8.66%-3,828 bps
Loan Growth (YoY)22.08%28.53%21.44%15.67%15.08%-700 bps
Deposit Growth (YoY)30.45%31.99%33.33%-3.90%-10.37%-4,083 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.54%1.52%1.55%1.57%1.51%-3 bps
Allowance Coverage of NPLsn/a479.3xn/an/an/an/a
Capital
Tier 1 Leverage Ratio9.64%9.88%9.94%9.20%9.98%+35 bps
Total Risk-Based Capital9.64%9.88%9.94%9.20%9.98%+35 bps
Equity / Assets8.51%9.47%8.85%8.95%10.22%+171 bps
Liquidity & Funding
Loans / Deposits53.15%58.98%54.24%57.40%68.24%+1,509 bps
Liquid Assets / Assets23.35%19.52%20.40%20.80%9.16%-1,419 bps
CRE / Total Capitaln/a84.96%89.36%94.64%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

American Bank of Baxter Springs

Baxter Springs, KS · Cert 4624 · Peer group: banks under $1B in assets (n=581-629) · American Bancshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$170.2MAssets
$104.0MLoans
$152.3MDeposits
$17.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets (rank 564 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.17%

Rank 251 of 629

Net Interest Margin

3.51%

Rank 323 of 629

Efficiency Ratio

61.39%

Rank 197 of 629

Equity / Assets

10.22%

Rank 361 of 629

Non-interest income vs. expense

$0.6M$4.3MINCOMEEXPENSE
Unfavorable gap of $3.7M · efficiency ratio beats 69% of banks under $1B in assets
Bank 61.39%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.60%1.01%1.45%Beats 60%251 / 629
Return on Equity11.49%5.38%9.30%13.28%Beats 63%232 / 629
Net Interest Margin3.51%3.03%3.54%4.05%Beats 49%323 / 629
Efficiency Ratio61.39%58.35%67.79%79.08%Beats 69%197 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio9.98%11.24%13.84%18.77%Beats 11%559 / 629
Total Risk-Based Capital Ratio9.98%11.58%14.43%19.66%Beats 10%564 / 629
Equity / Assets10.22%9.09%10.65%13.80%Beats 43%361 / 629
Liquidity & Funding
Loans / Deposits68.24%67.24%80.90%93.48%26th pctl437 / 594
Loans / Assets61.07%53.31%67.71%78.15%36th pctl400 / 629
Brokered Deposits / Depositsn/aNot reported for this institution