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First National Bank of Spearville

Spearville, KS · Cert 4774 · Spearville Bancshares Inc.

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=97). 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

14

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

96

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 Spearville

Spearville, KS · Cert 4774 · Spearville Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$62.1MAssets
$32.0MLoans
$53.6MDeposits
$8.1MEquity
Loan mix
65%RE $12.6M24%C&I $4.7M11%Consumer $2.1MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $41.6M22%Noninterest $12.0MQ2 2025Q2 2026

NIM

4.77%Q2 ’244.83%Q2 ’254.86%Q2 ’26+6%+9%

Non-interest income vs. expense

1.76%Q2 ’241.68%Q2 ’251.65%Q2 ’26-3%-5%

Executive Summary

  • Earnings: ROA of 1.39%, up 29 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 4.06% of loans (+379 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 11.80%, down 83 bps from a year ago.
  • Funding: loans stand at 59.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.39%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+30 bps YoY

Efficiency Ratio (YTD, annualized)

44.10%-553 bps YoY

Tier 1 Leverage Ratio

11.80%-83 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.34%1.22%1.45%1.39%+29 bps
Return on Equity9.11%10.62%10.40%13.27%12.01%+290 bps
Net Interest Margin3.24%3.34%2.92%3.58%3.54%+30 bps
Efficiency Ratio49.63%45.53%48.34%42.11%44.10%-553 bps
Non-Interest Burden1.47%1.27%1.20%1.26%1.39%-8 bps
Growth
Asset Growth (YoY)3.78%-0.44%9.28%2.52%12.63%+885 bps
Loan Growth (YoY)-3.60%11.39%13.95%9.05%11.74%+1,534 bps
Deposit Growth (YoY)3.77%-1.29%9.83%4.96%14.17%+1,040 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.44%0.21%0.00%4.06%+379 bps
Net Charge-Offs / Loans0.00%0.01%0.19%-0.01%0.07%+7 bps
Allowance / Loans1.74%1.58%1.50%1.63%1.55%-19 bps
Allowance Coverage of NPLs6.5x3.6x7.3xn/a0.4x-6.1x
Capital
Tier 1 Leverage Ratio12.64%13.10%10.31%11.35%11.80%-83 bps
Total Risk-Based Capital12.64%13.10%10.31%11.35%11.80%-83 bps
Equity / Assets14.29%14.46%9.15%13.56%13.11%-118 bps
Liquidity & Funding
Loans / Deposits60.99%65.44%43.61%62.28%59.70%-130 bps
Liquid Assets / Assets27.46%27.31%17.07%24.48%23.84%-362 bps
CRE / Total Capitaln/a67.10%69.03%64.97%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 Spearville

Spearville, KS · Cert 4774 · Peer group: banks under $1B in assets in KS (n=97) · Spearville Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$62.1MAssets
$32.0MLoans
$53.6MDeposits
$8.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 96% of banks under $1B in assets in KS (rank 5 of 97).
  • Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in KS (rank 93 of 97).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.54%

Rank 24 of 97

Net Interest Margin

3.54%

Rank 55 of 97

Efficiency Ratio

44.10%

Rank 5 of 97

Equity / Assets

13.11%

Rank 24 of 97

Non-interest income vs. expense

$0.2M$1.0MINCOMEEXPENSE
Unfavorable gap of $0.9M · efficiency ratio beats 96% of banks under $1B in assets in KS
Bank 44.10%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.54%1.03%1.23%1.54%Beats 75%24 / 97
Return on Equity11.76%8.85%11.53%14.73%Beats 56%43 / 97
Net Interest Margin3.54%3.24%3.62%3.91%Beats 43%55 / 97
Efficiency Ratio44.10%52.19%58.88%64.74%Beats 96%5 / 97
Asset Quality
Nonperforming Loans / Loans4.06%0.01%0.33%1.05%Beats 5%93 / 97
Net Charge-Offs / Loans0.04%n/a0.00%0.03%Beats 22%77 / 97
Capital
Tier 1 Capital Ratio11.80%11.81%13.71%17.33%Beats 24%74 / 97
Total Risk-Based Capital Ratio11.80%11.81%14.13%17.45%Beats 24%74 / 97
Equity / Assets13.11%8.60%11.33%13.10%Beats 75%24 / 97
Liquidity & Funding
Loans / Deposits59.70%57.09%69.84%82.47%35th pctl63 / 97
Loans / Assets51.55%49.34%58.25%68.94%33rd pctl65 / 97
Brokered Deposits / Depositsn/aNot reported for this institution