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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

3.79%Q2 ’244.13%Q2 ’254.88%Q2 ’26+36%+31%

Non-interest income vs. expense

1.98%Q2 ’241.98%Q2 ’252.05%Q2 ’26+7%+6%

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 1.53%, up 50 bps year over year; NIM at 3.78%.
  • 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 (quarter, annualized)

1.53%+50 bps YoY

Net Interest Margin (quarter, annualized)

3.78%+89 bps YoY

Efficiency Ratio (quarter, annualized)

49.02%-1,089 bps YoY

Tier 1 Leverage Ratio

10.88%-2 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.15%1.46%1.34%1.53%+50 bps
Return on Equity11.06%11.64%14.38%13.33%15.42%+436 bps
Net Interest Margin2.89%3.10%3.49%3.51%3.78%+89 bps
Efficiency Ratio59.91%58.27%52.29%54.67%49.02%-1,089 bps
Non-Interest Burden1.56%1.63%1.62%1.73%1.65%+9 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 / Loans0.24%0.00%-0.01%0.00%0.00%-24 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