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Ninnescah Valley Bank

Cunningham, KS · Cert 4652

State charter, non-member · FDIC · 1 branch

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

27

Q2 2024Q2 2026peer median (50)

Asset Quality

19

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

1

Q2 2024Q2 2026peer median

Efficiency

30

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

Ninnescah Valley Bank

Cunningham, KS · Cert 4652

State charter, non-member · FDIC · 1 branch

Q2 2026

$44.6MAssets
$18.3MLoans
$40.5MDeposits
$4.0MEquity
Loan mix
66%RE $7.6M29%C&I $3.3M6%Consumer $0.7MQ3 2024Q2 2026
Deposit mix
56%Interest-bearing $22.5M44%Noninterest $18.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.08%, up 17 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 3.54% of loans (-108 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 12.04%, down 40 bps from a year ago.
  • Funding: loans stand at 45.22% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.08%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.71%-13 bps YoY

Efficiency Ratio (YTD, annualized)

64.26%+14 bps YoY

Tier 1 Leverage Ratio

12.04%-40 bps YoY

NIM

4.59%Q2 ’244.81%Q2 ’254.51%Q2 ’26+7%-3%

Non-interest income vs. expense

2.62%Q2 ’242.55%Q2 ’252.46%Q2 ’26-2%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.78%0.74%0.91%0.79%0.80%0.88%1.08%+17 bps
Return on Equity11.30%11.02%10.96%13.12%10.74%10.42%9.72%11.99%-113 bps
Net Interest Margin3.53%3.43%3.75%3.84%3.91%3.92%3.59%3.71%-13 bps
Efficiency Ratio70.66%70.57%65.36%64.12%62.94%65.58%67.15%64.26%+14 bps
Non-Interest Burden2.45%2.38%2.41%2.41%2.41%2.52%2.37%2.34%-7 bps
Growth
Asset Growth (YoY)6.27%8.09%7.86%7.92%6.05%-1.29%2.92%5.59%-233 bps
Loan Growth (YoY)16.71%1.52%2.71%5.25%2.61%4.09%3.91%4.41%-84 bps
Deposit Growth (YoY)2.31%11.62%8.37%9.44%8.04%-4.55%0.89%3.88%-556 bps
Asset Quality
Nonperforming Loans / Loans2.47%2.42%4.61%4.63%4.16%4.13%3.65%3.54%-108 bps
Net Charge-Offs / Loans0.00%0.14%0.00%0.00%0.00%0.00%0.07%0.03%+3 bps
Allowance / Loans1.23%1.33%1.55%1.52%1.99%2.09%2.02%1.90%+39 bps
Allowance Coverage of NPLs0.5x0.6x0.3x0.3x0.5x0.5x0.6x0.5x+0.2x
Capital
Tier 1 Leverage Ratio12.85%12.20%12.11%12.44%12.51%12.54%11.94%12.04%-40 bps
Total Risk-Based Capital12.85%12.20%12.11%12.44%12.51%12.54%11.94%12.04%-40 bps
Equity / Assets8.26%6.60%6.95%7.22%8.59%9.25%8.81%8.87%+165 bps
Liquidity & Funding
Loans / Deposits48.46%42.04%41.48%44.99%46.02%45.84%42.72%45.22%+23 bps
Liquid Assets / Assets3.61%3.15%2.44%2.48%2.47%1.48%1.81%1.85%-63 bps
CRE / Total Capitaln/an/an/an/a12.94%12.68%14.59%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

Ninnescah Valley Bank

Cunningham, KS · Cert 4652 · Peer group: banks under $1B in assets in KS (n=98)

State charter, non-member · FDIC · 1 branch

Q2 2026

$44.6MAssets
$18.3MLoans
$40.5MDeposits
$4.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 61% of banks under $1B in assets in KS (rank 38 of 98).
  • Widest gap: nonperforming loans / loans trails 93% of banks under $1B in assets in KS (rank 92 of 98).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.04%

Rank 72 of 98

Net Interest Margin

3.71%

Rank 38 of 98

Efficiency Ratio

64.26%

Rank 70 of 98

Equity / Assets

8.87%

Rank 72 of 98

Non-interest income vs. expense

$0.1M$1.1MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 30% of banks under $1B in assets in KS
Bank 64.26%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.04%1.03%1.24%1.54%Beats 27%72 / 98
Return on Equity11.71%8.85%11.58%14.73%Beats 54%45 / 98
Net Interest Margin3.71%3.24%3.62%3.91%Beats 61%38 / 98
Efficiency Ratio64.26%51.87%58.88%64.74%Beats 30%70 / 98
Asset Quality
Nonperforming Loans / Loans3.54%0.01%0.33%1.05%Beats 7%92 / 98
Net Charge-Offs / Loans0.02%n/a0.00%0.03%Beats 30%70 / 98
Capital
Tier 1 Capital Ratio12.04%11.81%13.71%17.33%Beats 28%71 / 98
Total Risk-Based Capital Ratio12.04%11.81%14.13%17.45%Beats 26%73 / 98
Equity / Assets8.87%8.60%11.34%13.10%Beats 27%72 / 98
Liquidity & Funding
Loans / Deposits45.22%57.09%69.84%82.47%10th pctl88 / 98
Loans / Assets41.09%49.34%58.31%68.94%11th pctl87 / 98
Brokered Deposits / Depositsn/aNot reported for this institution