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First National Bank of Scott City, The

Scott City, KS · Cert 4769 · Hoeme Family Partnership

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 assets in KS3

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 KS (n=98). 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

60

Q2 2024Q2 2026peer median (50)

Asset Quality

32

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

88

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 Scott City, The

Scott City, KS · Cert 4769 · Hoeme Family Partnership

National charter · OCC · 1 branch

Q2 2026

$173.8MAssets
$128.3MLoans
$140.4MDeposits
$22.4MEquity
Loan mix
67%RE $57.9M20%C&I $17.7M13%Consumer $10.8MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $102.5M27%Noninterest $37.9MQ2 2025Q2 2026

NIM

5.25%Q2 ’245.43%Q2 ’255.59%Q2 ’26+5%+8%

Non-interest income vs. expense

2.30%Q2 ’242.01%Q2 ’252.16%Q2 ’26+94%+10%

Executive Summary

  • Earnings: ROA of 1.67%, up 25 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.33% of loans (-17 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 14.48%, up 75 bps from a year ago.
  • Funding: loans stand at 91.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.67%+25 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+30 bps YoY

Efficiency Ratio (YTD, annualized)

48.20%+49 bps YoY

Tier 1 Leverage Ratio

14.48%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.51%1.37%1.81%1.67%+25 bps
Return on Equity12.07%12.66%11.31%14.32%13.11%+104 bps
Net Interest Margin3.93%4.00%4.00%4.17%4.23%+30 bps
Efficiency Ratio47.71%46.97%47.04%45.83%48.20%+49 bps
Non-Interest Burden1.73%1.73%1.72%1.80%1.92%+18 bps
Growth
Asset Growth (YoY)4.80%5.60%5.02%7.55%4.61%-19 bps
Loan Growth (YoY)11.11%12.94%10.62%10.34%11.12%+1 bps
Deposit Growth (YoY)8.29%6.52%4.77%9.26%-2.14%-1,043 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.67%0.47%0.40%0.33%-17 bps
Net Charge-Offs / Loans0.25%0.21%0.48%-0.05%0.14%-12 bps
Allowance / Loans1.16%1.21%1.19%1.23%1.15%0 bps
Allowance Coverage of NPLs2.3x1.8x2.6x3.1x3.5x+1.2x
Capital
Tier 1 Leverage Ratio13.73%13.97%13.94%14.05%14.48%+75 bps
Total Risk-Based Capital13.73%13.97%13.94%14.05%14.48%+75 bps
Equity / Assets11.95%12.51%12.67%12.66%12.90%+95 bps
Liquidity & Funding
Loans / Deposits80.46%83.78%81.44%81.07%91.36%+1,090 bps
Liquid Assets / Assets1.17%1.03%1.03%1.79%0.82%-34 bps
CRE / Total Capitaln/a56.50%78.12%76.06%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 Scott City, The

Scott City, KS · Cert 4769 · Peer group: banks under $1B in assets in KS (n=98) · Hoeme Family Partnership

National charter · OCC · 1 branch

Q2 2026

$173.8MAssets
$128.3MLoans
$140.4MDeposits
$22.4MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 88% of banks under $1B in assets in KS (rank 13 of 98).
  • Widest gap: net charge-offs / loans trails 86% of banks under $1B in assets in KS (rank 85 of 98).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.65%

Rank 18 of 98

Net Interest Margin

4.23%

Rank 16 of 98

Efficiency Ratio

48.20%

Rank 13 of 98

Equity / Assets

12.90%

Rank 30 of 98

Non-interest income vs. expense

$0.4M$3.7MINCOMEEXPENSE
Unfavorable gap of $3.3M · efficiency ratio beats 88% of banks under $1B in assets in KS
Bank 48.20%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.65%1.03%1.24%1.54%Beats 82%18 / 98
Return on Equity12.80%8.85%11.58%14.73%Beats 63%36 / 98
Net Interest Margin4.23%3.24%3.62%3.91%Beats 84%16 / 98
Efficiency Ratio48.20%51.87%58.88%64.74%Beats 88%13 / 98
Asset Quality
Nonperforming Loans / Loans0.33%0.01%0.33%1.05%Beats 50%50 / 98
Net Charge-Offs / Loans0.10%n/a0.00%0.03%Beats 14%85 / 98
Capital
Tier 1 Capital Ratio14.48%11.81%13.71%17.33%Beats 58%41 / 98
Total Risk-Based Capital Ratio14.48%11.81%14.13%17.45%Beats 54%45 / 98
Equity / Assets12.90%8.60%11.34%13.10%Beats 69%30 / 98
Liquidity & Funding
Loans / Deposits91.36%57.09%69.84%82.47%89th pctl11 / 98
Loans / Assets73.82%49.34%58.31%68.94%86th pctl14 / 98
Brokered Deposits / Depositsn/aNot reported for this institution