PackageTrendsPeer
Letter portraitLegal landscape

First National Bank in Frankfort

Frankfort, KS · Cert 4668 · First Frankfort Bancshares Inc.

National charter · OCC · 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

11

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

46

Q2 2024Q2 2026peer median

Efficiency

5

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 Frankfort

Frankfort, KS · Cert 4668 · First Frankfort Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$61.6MAssets
$31.2MLoans
$55.4MDeposits
$3.8MEquity
Loan mix
82%RE $17.6M8%C&I $1.8M9%Consumer $1.9MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $42.7M23%Noninterest $12.7MQ2 2025Q2 2026

NIM

4.42%Q2 ’244.73%Q2 ’254.73%Q2 ’26+12%+7%

Non-interest income vs. expense

2.46%Q2 ’242.69%Q2 ’252.70%Q2 ’26+10%+1%

Executive Summary

  • Earnings: ROA of 0.59%, up 10 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.52% of loans (-23 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 10.76%, down 22 bps from a year ago.
  • Funding: loans stand at 56.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.59%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+22 bps YoY

Efficiency Ratio (YTD, annualized)

77.40%-463 bps YoY

Tier 1 Leverage Ratio

10.76%-22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.50%0.51%0.62%0.59%+10 bps
Return on Equity10.37%10.06%9.71%10.17%9.57%-80 bps
Net Interest Margin3.01%3.01%2.99%3.24%3.24%+22 bps
Efficiency Ratio82.04%81.31%81.32%77.57%77.40%-463 bps
Non-Interest Burden2.43%2.40%2.39%2.46%2.45%+2 bps
Growth
Asset Growth (YoY)3.68%5.68%3.59%3.63%4.25%+57 bps
Loan Growth (YoY)12.75%15.98%9.47%6.42%4.68%-807 bps
Deposit Growth (YoY)6.97%6.26%1.32%2.56%-0.63%-761 bps
Asset Quality
Nonperforming Loans / Loans0.75%0.64%0.76%0.58%0.52%-23 bps
Net Charge-Offs / Loans-0.04%-0.04%-0.10%-0.03%-0.03%+1 bps
Allowance / Loans1.42%1.31%1.42%1.48%1.45%+3 bps
Allowance Coverage of NPLs1.9x2.0x1.9x2.5x2.8x+0.9x
Capital
Tier 1 Leverage Ratio10.97%10.70%10.49%10.57%10.76%-22 bps
Total Risk-Based Capital10.97%10.70%10.49%10.57%10.76%-22 bps
Equity / Assets4.84%5.84%6.26%5.98%6.22%+138 bps
Liquidity & Funding
Loans / Deposits53.36%57.80%54.99%52.83%56.21%+286 bps
Liquid Assets / Assets1.25%0.81%0.80%0.80%0.40%-86 bps
CRE / Total Capitaln/a26.07%25.99%22.53%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 Frankfort

Frankfort, KS · Cert 4668 · Peer group: banks under $1B in assets in KS (n=98) · First Frankfort Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$61.6MAssets
$31.2MLoans
$55.4MDeposits
$3.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: return on assets trails 98% of banks under $1B in assets in KS (rank 96 of 98).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.59%

Rank 96 of 98

Net Interest Margin

3.24%

Rank 74 of 98

Efficiency Ratio

77.40%

Rank 94 of 98

Equity / Assets

6.22%

Rank 95 of 98

Non-interest income vs. expense

$0.2M$1.7MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 5% of banks under $1B in assets in KS
Bank 77.40%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.59%1.03%1.24%1.54%Beats 2%96 / 98
Return on Equity9.48%8.85%11.58%14.73%Beats 33%66 / 98
Net Interest Margin3.24%3.24%3.62%3.91%Beats 24%74 / 98
Efficiency Ratio77.40%51.87%58.88%64.74%Beats 5%94 / 98
Asset Quality
Nonperforming Loans / Loans0.52%0.01%0.33%1.05%Beats 40%60 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio10.76%11.81%13.71%17.33%Beats 16%82 / 98
Total Risk-Based Capital Ratio10.76%11.81%14.13%17.45%Beats 15%83 / 98
Equity / Assets6.22%8.60%11.34%13.10%Beats 3%95 / 98
Liquidity & Funding
Loans / Deposits56.21%57.09%69.84%82.47%22nd pctl76 / 98
Loans / Assets50.62%49.34%58.31%68.94%30th pctl69 / 98
Brokered Deposits / Depositsn/aNot reported for this institution