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Ventura National Bank & Trust

Harveyville, KS · Cert 4683 · Vista Holding Co.

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 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

77

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

16

Q2 2024Q2 2026peer median (50)

Liquidity

0

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

Ventura National Bank & Trust

Harveyville, KS · Cert 4683 · Vista Holding Co.

National charter · OCC · 1 branch

Q2 2026

$41.7MAssets
$36.7MLoans
$32.8MDeposits
$8.7MEquity
Loan mix
33%RE $8.2M66%C&I $16.6M1%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $31.4M4%Noninterest $1.4MQ2 2025Q2 2026

NIM

5.27%Q2 ’246.36%Q2 ’255.82%Q2 ’26+30%-29%

Non-interest income vs. expense

3.67%Q2 ’245.04%Q2 ’253.98%Q2 ’26+51%-19%

Market Position · Topeka, KS · 2026 SOD (annual) · 0.5% share · #26 of 30 inst. · $0.0B of $7.1B

Executive Summary

  • Earnings: ROA of -0.46%, down 2 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.09% of loans (+9 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 17.95%, down 880 bps from a year ago.
  • Funding: loans stand at 111.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.46%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.26%-131 bps YoY

Efficiency Ratio (YTD, annualized)

122.02%+1,502 bps YoY

Tier 1 Leverage Ratio

17.95%-880 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.44%-0.42%-0.49%-0.55%-0.46%-2 bps
Return on Equity-1.71%-1.83%-2.38%-3.37%-2.61%-90 bps
Net Interest Margin4.57%3.27%2.78%3.49%3.26%-131 bps
Efficiency Ratio107.01%109.39%113.81%125.65%122.02%+1,502 bps
Non-Interest Burden4.89%3.59%3.18%4.38%3.97%-93 bps
Growth
Asset Growth (YoY)132.98%214%78.42%37.00%12.43%-12,055 bps
Loan Growth (YoY)208%248%63.17%62.78%44.17%-16,351 bps
Deposit Growth (YoY)98.42%190.47%107.34%53.76%17.61%-8,081 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.09%0.25%0.09%+9 bps
Net Charge-Offs / Loans-0.02%-0.02%-0.01%0.29%0.14%+16 bps
Allowance / Loans1.14%1.00%0.87%0.78%0.69%-45 bps
Allowance Coverage of NPLsn/an/a10.2x3.1x7.7xn/a
Capital
Tier 1 Leverage Ratio26.74%18.32%15.28%19.60%17.95%-880 bps
Total Risk-Based Capital35.99%18.32%15.28%19.60%17.95%-1,804 bps
Equity / Assets24.11%17.42%13.99%19.97%20.84%-326 bps
Liquidity & Funding
Loans / Deposits91.28%69.76%63.27%100.98%111.90%+2,062 bps
Liquid Assets / Assets10.09%3.42%2.78%6.89%8.47%-162 bps
CRE / Total Capitaln/a14.17%12.12%10.93%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

Ventura National Bank & Trust

Harveyville, KS · Cert 4683 · Peer group: banks under $1B in assets (n=581-629) · Vista Holding Co.

National charter · OCC · 1 branch

Q2 2026

$41.7MAssets
$36.7MLoans
$32.8MDeposits
$8.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 88% of banks under $1B in assets (rank 75 of 629).
  • Widest gap: efficiency ratio trails 95% of banks under $1B in assets (rank 600 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-0.55%

Rank 593 of 629

Net Interest Margin

3.26%

Rank 406 of 629

Efficiency Ratio

122.02%

Rank 600 of 629

Equity / Assets

20.84%

Rank 75 of 629

Non-interest income vs. expense

$0.0M$1.9MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 5% of banks under $1B in assets
Bank 122.02%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.55%0.60%1.01%1.45%Beats 6%593 / 629
Return on Equity-2.62%5.38%9.30%13.28%Beats 7%588 / 629
Net Interest Margin3.26%3.03%3.54%4.05%Beats 35%406 / 629
Efficiency Ratio122.02%58.35%67.79%79.08%Beats 5%600 / 629
Asset Quality
Nonperforming Loans / Loans0.09%0.09%0.46%1.20%Beats 75%147 / 581
Net Charge-Offs / Loans0.07%n/a0.01%0.06%Beats 24%444 / 581
Capital
Tier 1 Capital Ratio17.95%11.24%13.84%18.77%Beats 73%172 / 629
Total Risk-Based Capital Ratio17.95%11.58%14.43%19.66%Beats 70%188 / 629
Equity / Assets20.84%9.09%10.65%13.80%Beats 88%75 / 629
Liquidity & Funding
Loans / Deposits111.90%67.24%80.90%93.48%96th pctl23 / 594
Loans / Assets87.87%53.31%67.71%78.15%97th pctl20 / 629
Brokered Deposits / Depositsn/aNot reported for this institution