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Letter portraitLegal landscapeQuarterYTD

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 $3.9MQ3 2024Q2 2026
Deposit mix
64%Interest-bearing $109.3M36%Noninterest $62.2MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.49%0.77%0.91%0.99%1.11%1.34%1.44%+54 bps
Return on Equity5.86%6.44%8.65%9.92%10.49%11.61%13.33%14.42%+449 bps
Net Interest Margin2.08%2.17%2.76%2.80%2.90%2.98%3.51%3.58%+78 bps
Efficiency Ratio76.84%74.96%67.88%63.75%61.80%59.05%54.67%51.70%-1,205 bps
Non-Interest Burden1.50%1.51%1.75%1.64%1.64%1.59%1.73%1.66%+1 bps
Growth
Asset Growth (YoY)2.75%-5.95%-8.15%-3.60%-4.31%5.96%7.74%12.18%+1,578 bps
Loan Growth (YoY)6.75%7.52%13.56%13.28%17.21%23.98%18.82%18.78%+550 bps
Deposit Growth (YoY)-1.81%4.12%1.22%3.70%2.42%5.84%6.70%17.08%+1,337 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.23%0.00%0.00%0.00%0.00%-23 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.12%0.08%0.05%0.00%0.00%-12 bps
Allowance / Loans1.35%1.35%1.34%1.22%1.17%1.13%1.19%1.20%-3 bps
Allowance Coverage of NPLsn/an/an/a5.4xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.35%10.51%11.01%10.90%11.27%10.87%11.16%10.88%-2 bps
Total Risk-Based Capital10.35%10.51%11.01%10.90%11.27%10.87%11.16%10.88%-2 bps
Equity / Assets8.34%8.73%9.14%9.54%10.22%10.15%10.02%9.86%+32 bps
Liquidity & Funding
Loans / Deposits68.18%67.55%66.85%74.05%78.03%79.13%74.45%75.12%+108 bps
Liquid Assets / Assets0.99%1.00%0.76%0.74%0.59%1.34%1.12%1.29%+55 bps
CRE / Total Capitaln/an/an/an/a108.75%127.16%123.89%n/an/a