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Security Bank of Kansas City

Kansas City, KS · Cert 4705 · Valley View Bancshares Inc.

State charter, non-member · FDIC · 34 branches

Q2 2026

$3.9BAssets
$2.1BLoans
$3.2BDeposits
$443.9MEquity
Loan mix
91%RE $1.9B9%C&I $0.2B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $2.3B28%Noninterest $0.9BQ3 2024Q2 2026

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 3.2% share · #5 of 114 inst. · $3.2B of $99.1B

46.4% Wyandotte
4.1% Johnson
0.8% Jackson
5.7% Clay

Executive Summary

  • Earnings: ROA of 1.56%, up 27 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.03% of loans (+2 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 12.77%, up 2 bps from a year ago.
  • Funding: loans stand at 66.01% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.56%+27 bps YoY

Net Interest Margin (YTD, annualized)

2.99%+13 bps YoY

Efficiency Ratio (YTD, annualized)

48.39%-348 bps YoY

Tier 1 Leverage Ratio

12.77%+2 bps YoY

NIM

4.36%Q2 ’244.25%Q2 ’254.27%Q2 ’26+8%+5%

Non-interest income vs. expense

1.63%Q2 ’241.71%Q2 ’251.70%Q2 ’26+5%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.22%1.26%1.28%1.33%1.37%1.39%1.56%+27 bps
Return on Equity12.09%12.75%12.05%12.05%12.18%12.46%12.05%13.50%+145 bps
Net Interest Margin2.75%2.84%2.80%2.86%2.88%2.89%2.97%2.99%+13 bps
Efficiency Ratio51.80%51.42%52.50%51.87%51.01%49.94%48.54%48.39%-348 bps
Non-Interest Burden1.17%1.19%1.20%1.22%1.20%1.16%1.10%1.12%-9 bps
Growth
Asset Growth (YoY)0.69%-3.49%-2.56%-3.30%1.56%5.49%5.05%6.67%+997 bps
Loan Growth (YoY)3.87%0.07%0.89%-1.59%6.09%7.26%6.67%5.23%+682 bps
Deposit Growth (YoY)1.50%2.55%4.16%3.92%4.30%8.16%6.91%7.18%+326 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.01%0.01%0.01%0.01%0.00%0.00%0.03%+2 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%0.00%0.00%-0.02%-1 bps
Allowance / Loans1.62%1.62%1.57%1.58%1.53%1.51%1.51%1.58%0 bps
Allowance Coverage of NPLs92.2x190.1x202.3x217.8x258.9x444.9x437.1x62.6x-155.1x
Capital
Tier 1 Leverage Ratio12.09%12.47%12.74%12.75%12.87%12.68%12.80%12.77%+2 bps
Total Risk-Based Capital12.09%12.47%12.74%12.75%12.87%12.68%12.80%12.77%+2 bps
Equity / Assets10.72%10.06%10.80%11.08%11.55%11.51%11.59%11.51%+42 bps
Liquidity & Funding
Loans / Deposits66.19%67.57%67.68%67.23%67.32%67.00%67.53%66.01%-122 bps
Liquid Assets / Assets1.50%1.22%1.55%1.09%1.38%2.56%1.77%2.77%+167 bps
CRE / Total Capitaln/an/an/an/a357%369%362%n/an/a