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First National Bank of Louisburg, The

Louisburg, KS · Cert 4722

National charter · OCC · 3 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 the Kansas City, MO-KS area3

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 the Kansas City, MO-KS area (n=39 to 40). 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

28

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

76

Q2 2024Q2 2026peer median

Efficiency

75

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 of Louisburg, The

Louisburg, KS · Cert 4722

National charter · OCC · 3 branches

Q2 2026

$201.3MAssets
$128.8MLoans
$171.5MDeposits
$19.9MEquity
Loan mix
89%RE $106.4M7%C&I $8.7M3%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $109.3M36%Noninterest $62.2MQ2 2025Q2 2026

NIM

3.70%Q2 ’244.03%Q2 ’254.64%Q2 ’26+37%+28%

Non-interest income vs. expense

1.94%Q2 ’242.04%Q2 ’252.06%Q2 ’26+11%+1%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #56 of 114 inst. · $0.2B of $99.1B

0.3% Johnson
9.3% Miami

Executive Summary

  • Earnings: ROA of 1.44%, up 54 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.00% of loans (-23 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.88%, down 2 bps from a year ago.
  • Funding: loans stand at 75.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.44%+54 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+78 bps YoY

Efficiency Ratio (YTD, annualized)

51.70%-1,205 bps YoY

Tier 1 Leverage Ratio

10.88%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.99%1.11%1.34%1.44%+54 bps
Return on Equity9.92%10.49%11.61%13.33%14.42%+449 bps
Net Interest Margin2.80%2.90%2.98%3.51%3.58%+78 bps
Efficiency Ratio63.75%61.80%59.05%54.67%51.70%-1,205 bps
Non-Interest Burden1.64%1.64%1.59%1.73%1.66%+1 bps
Growth
Asset Growth (YoY)-3.60%-4.31%5.96%7.74%12.18%+1,578 bps
Loan Growth (YoY)13.28%17.21%23.98%18.82%18.78%+550 bps
Deposit Growth (YoY)3.70%2.42%5.84%6.70%17.08%+1,337 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.00%0.00%0.00%0.00%-23 bps
Net Charge-Offs / Loans0.12%0.08%0.05%0.00%0.00%-12 bps
Allowance / Loans1.22%1.17%1.13%1.19%1.20%-3 bps
Allowance Coverage of NPLs5.4xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.90%11.27%10.87%11.16%10.88%-2 bps
Total Risk-Based Capital10.90%11.27%10.87%11.16%10.88%-2 bps
Equity / Assets9.54%10.22%10.15%10.02%9.86%+32 bps
Liquidity & Funding
Loans / Deposits74.05%78.03%79.13%74.45%75.12%+108 bps
Liquid Assets / Assets0.74%0.59%1.34%1.12%1.29%+55 bps
CRE / Total Capitaln/a108.75%127.16%123.89%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 of Louisburg, The

Louisburg, KS · Cert 4722 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40)

National charter · OCC · 3 branches

Q2 2026

$201.3MAssets
$128.8MLoans
$171.5MDeposits
$19.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 8 of 39).
  • Widest gap: total risk-based capital ratio trails 80% of banks under $1B in assets in the Kansas City, MO-KS area (rank 32 of 40).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.39%

Rank 20 of 40

Net Interest Margin

3.58%

Rank 28 of 40

Efficiency Ratio

51.70%

Rank 11 of 40

Equity / Assets

9.86%

Rank 24 of 40

Non-interest income vs. expense

$0.8M$4.1MINCOMEEXPENSE
Unfavorable gap of $3.3M · efficiency ratio beats 75% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 51.70%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%1.02%1.39%1.86%Beats 50%20 / 40
Return on Equity14.11%10.74%14.78%21.32%Beats 43%23 / 40
Net Interest Margin3.58%3.33%4.05%4.63%Beats 30%28 / 40
Efficiency Ratio51.70%51.70%58.10%69.29%Beats 75%11 / 40
Asset Quality
Nonperforming Loans / Loans0.00%0.05%0.20%1.11%Beats 100%8 / 39
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 56%18 / 39
Capital
Tier 1 Capital Ratio10.88%11.32%12.27%16.94%Beats 23%31 / 40
Total Risk-Based Capital Ratio10.88%11.32%13.09%17.63%Beats 20%32 / 40
Equity / Assets9.86%8.41%10.10%12.34%Beats 40%24 / 40
Liquidity & Funding
Loans / Deposits75.12%73.50%85.60%94.85%30th pctl28 / 40
Loans / Assets64.00%62.75%69.87%79.23%28th pctl29 / 40
Brokered Deposits / Depositsn/aNot reported for this institution