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Bank of Commerce and Trust Company, The

Wellington, KS · Cert 4796 · Tri-County Financial Corp.

State charter, non-member · FDIC · 4 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 Wichita, 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 Wichita, KS area (n=20). 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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

20

Q2 2024Q2 2026peer median

Efficiency

20

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

Bank of Commerce and Trust Company, The

Wellington, KS · Cert 4796 · Tri-County Financial Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$112.8MAssets
$47.4MLoans
$104.4MDeposits
$6.6MEquity
Loan mix
81%RE $33.7M8%C&I $3.2M11%Consumer $4.7MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $89.4M14%Noninterest $14.9MQ2 2025Q2 2026

NIM

4.72%Q2 ’244.78%Q2 ’254.69%Q2 ’26+6%+4%

Non-interest income vs. expense

2.51%Q2 ’242.45%Q2 ’252.67%Q2 ’26-2%+10%

Market Position · Wichita, KS · 2026 SOD (annual) · 0.3% share · #38 of 46 inst. · $0.1B of $23.2B

9.2% Sumner
15.4% Harper

Executive Summary

  • Earnings: ROA of 0.58%, down 14 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 1.17% of loans (-77 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 8.84%, up 10 bps from a year ago.
  • Funding: loans stand at 45.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.10%+13 bps YoY

Efficiency Ratio (YTD, annualized)

75.06%+382 bps YoY

Tier 1 Leverage Ratio

8.84%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.60%0.56%0.46%0.58%-14 bps
Return on Equity15.15%11.84%10.60%7.88%9.79%-536 bps
Net Interest Margin2.97%2.99%2.90%2.98%3.10%+13 bps
Efficiency Ratio71.25%75.73%77.59%76.37%75.06%+382 bps
Non-Interest Burden2.02%2.19%2.18%2.20%2.23%+21 bps
Growth
Asset Growth (YoY)-7.99%-0.54%4.07%1.67%6.52%+1,451 bps
Loan Growth (YoY)-4.00%-3.10%-5.98%-7.47%-5.24%-124 bps
Deposit Growth (YoY)-9.16%-1.11%2.52%0.50%5.79%+1,495 bps
Asset Quality
Nonperforming Loans / Loans1.94%2.66%1.98%1.93%1.17%-77 bps
Net Charge-Offs / Loans-0.03%-0.02%0.00%0.25%0.13%+15 bps
Allowance / Loans0.90%0.89%0.89%0.89%0.95%+5 bps
Allowance Coverage of NPLs0.5x0.3x0.4x0.5x0.8x+0.3x
Capital
Tier 1 Leverage Ratio8.75%9.13%8.83%8.58%8.84%+10 bps
Total Risk-Based Capital18.24%18.22%18.56%19.01%19.85%+161 bps
Equity / Assets5.05%6.09%5.85%5.95%5.84%+79 bps
Liquidity & Funding
Loans / Deposits50.73%51.23%46.24%46.35%45.44%-529 bps
Liquid Assets / Assets0.19%0.17%0.15%2.90%2.54%+236 bps
CRE / Total Capitaln/a44.13%45.03%41.43%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

Bank of Commerce and Trust Company, The

Wellington, KS · Cert 4796 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · Tri-County Financial Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$112.8MAssets
$47.4MLoans
$104.4MDeposits
$6.6MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 85% of banks under $1B in assets in the Wichita, KS area (rank 3 of 20).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in the Wichita, KS area (rank 20 of 20).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.58%

Rank 18 of 20

Net Interest Margin

3.10%

Rank 19 of 20

Efficiency Ratio

75.56%

Rank 17 of 20

Equity / Assets

5.84%

Rank 20 of 20

Non-interest income vs. expense

$0.5M$3.0MINCOMEEXPENSE
Unfavorable gap of $2.5M · efficiency ratio beats 20% of banks under $1B in assets in the Wichita, KS area
Bank 75.56%Peer median 65.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.58%0.80%1.20%1.35%Beats 10%18 / 20
Return on Equity9.94%9.43%12.85%15.78%Beats 35%13 / 20
Net Interest Margin3.10%3.71%4.04%4.23%Beats 5%19 / 20
Efficiency Ratio75.56%59.34%65.86%71.92%Beats 20%17 / 20
Asset Quality
Nonperforming Loans / Loans1.17%0.06%0.64%1.17%Beats 25%16 / 20
Net Charge-Offs / Loans0.06%n/a0.02%0.09%Beats 35%14 / 20
Capital
Tier 1 Capital Ratio18.99%11.10%11.73%15.56%Beats 85%3 / 20
Total Risk-Based Capital Ratio19.85%11.80%12.57%16.49%Beats 85%3 / 20
Equity / Assets5.84%8.39%8.81%11.24%Beats 0%20 / 20
Liquidity & Funding
Loans / Deposits45.44%62.67%77.26%93.25%15th pctl17 / 20
Loans / Assets42.07%54.38%67.74%81.71%15th pctl17 / 20
Brokered Deposits / Depositsn/aNot reported for this institution