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First National Bank in Cimarron

Cimarron, KS · Cert 4638 · First National Agency Inc.

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 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

79

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

37

Q2 2024Q2 2026peer median

Efficiency

60

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

First National Bank in Cimarron

Cimarron, KS · Cert 4638 · First National Agency Inc.

National charter · OCC · 2 branches

Q2 2026

$143.5MAssets
$70.9MLoans
$131.3MDeposits
$9.6MEquity
Loan mix
63%RE $33.2M30%C&I $15.9M7%Consumer $3.6MQ3 2024Q2 2026
Deposit mix
66%Interest-bearing $87.1M34%Noninterest $44.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.72%, up 52 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.25% of loans (-169 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.60%, up 86 bps from a year ago.
  • Funding: loans stand at 54.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.72%+52 bps YoY

Net Interest Margin (YTD, annualized)

3.84%+24 bps YoY

Efficiency Ratio (YTD, annualized)

56.93%-628 bps YoY

Tier 1 Leverage Ratio

9.60%+86 bps YoY

NIM

4.53%Q2 ’244.73%Q2 ’254.99%Q2 ’26+7%+7%

Non-interest income vs. expense

2.29%Q2 ’242.44%Q2 ’252.33%Q2 ’26+6%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%0.99%1.20%1.20%1.21%1.12%1.73%1.72%+52 bps
Return on Equity30.14%26.81%30.49%28.29%25.37%22.80%29.40%27.96%-33 bps
Net Interest Margin3.37%3.30%3.65%3.60%3.64%3.61%3.72%3.84%+24 bps
Efficiency Ratio65.59%68.53%60.42%63.21%64.03%65.38%58.27%56.93%-628 bps
Non-Interest Burden2.13%2.19%2.09%2.18%2.23%2.27%2.09%2.07%-11 bps
Growth
Asset Growth (YoY)8.96%-0.30%6.41%6.39%2.07%7.71%2.72%0.70%-569 bps
Loan Growth (YoY)21.17%30.22%13.67%6.85%3.11%-6.05%-5.38%-1.37%-823 bps
Deposit Growth (YoY)1.68%-1.46%4.39%4.33%1.58%5.91%1.33%-0.75%-508 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%1.94%0.13%0.29%0.11%0.25%-169 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans0.94%1.03%1.12%1.18%1.10%1.07%1.05%1.04%-14 bps
Allowance Coverage of NPLsn/an/an/a0.6x8.7x3.6x9.8x4.2x+3.6x
Capital
Tier 1 Leverage Ratio8.76%8.27%8.21%8.74%9.01%8.75%8.93%9.60%+86 bps
Total Risk-Based Capital15.38%14.33%15.49%15.68%16.14%15.74%16.93%17.28%+160 bps
Equity / Assets5.25%3.31%4.58%4.92%6.31%5.36%6.48%6.71%+179 bps
Liquidity & Funding
Loans / Deposits55.81%53.53%55.60%54.34%56.65%47.48%51.91%54.00%-34 bps
Liquid Assets / Assets0.04%3.92%0.46%2.32%0.02%11.48%1.99%0.05%-227 bps
CRE / Total Capitaln/an/an/an/a63.53%70.57%74.80%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

First National Bank in Cimarron

Cimarron, KS · Cert 4638 · Peer group: banks under $1B in assets in KS (n=98) · First National Agency Inc.

National charter · OCC · 2 branches

Q2 2026

$143.5MAssets
$70.9MLoans
$131.3MDeposits
$9.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: equity / assets trails 95% of banks under $1B in assets in KS (rank 93 of 98).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.80%

Rank 9 of 98

Net Interest Margin

3.84%

Rank 31 of 98

Efficiency Ratio

56.93%

Rank 40 of 98

Equity / Assets

6.71%

Rank 93 of 98

Non-interest income vs. expense

$0.4M$3.5MINCOMEEXPENSE
Unfavorable gap of $3.1M · efficiency ratio beats 60% of banks under $1B in assets in KS
Bank 56.93%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.80%1.03%1.24%1.54%Beats 91%9 / 98
Return on Equity26.84%8.85%11.58%14.73%Beats 97%3 / 98
Net Interest Margin3.84%3.24%3.62%3.91%Beats 68%31 / 98
Efficiency Ratio56.93%51.87%58.88%64.74%Beats 60%40 / 98
Asset Quality
Nonperforming Loans / Loans0.25%0.01%0.33%1.05%Beats 57%43 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio16.23%11.81%13.71%17.33%Beats 68%31 / 98
Total Risk-Based Capital Ratio17.28%11.81%14.13%17.45%Beats 70%29 / 98
Equity / Assets6.71%8.60%11.34%13.10%Beats 5%93 / 98
Liquidity & Funding
Loans / Deposits54.00%57.09%69.84%82.47%19th pctl79 / 98
Loans / Assets49.44%49.34%58.31%68.94%26th pctl73 / 98
Brokered Deposits / Depositsn/aNot reported for this institution