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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

$112.8MAssets
$47.4MLoans
$104.4MDeposits
$6.6MEquity
Loan mix
81%RE $33.7M8%C&I $3.2M11%Consumer $4.7MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $89.4M14%Noninterest $14.9MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.51%0.56%0.72%0.60%0.56%0.46%0.58%-14 bps
Return on Equity11.96%11.33%12.10%15.15%11.84%10.60%7.88%9.79%-536 bps
Net Interest Margin2.80%2.82%2.87%2.97%2.99%2.90%2.98%3.10%+13 bps
Efficiency Ratio77.92%78.69%76.11%71.25%75.73%77.59%76.37%75.06%+382 bps
Non-Interest Burden2.10%2.14%2.12%2.02%2.19%2.18%2.20%2.23%+21 bps
Growth
Asset Growth (YoY)5.13%1.65%-0.85%-7.99%-0.54%4.07%1.67%6.52%+1,451 bps
Loan Growth (YoY)0.86%0.13%0.55%-4.00%-3.10%-5.98%-7.47%-5.24%-124 bps
Deposit Growth (YoY)2.30%1.50%-1.65%-9.16%-1.11%2.52%0.50%5.79%+1,495 bps
Asset Quality
Nonperforming Loans / Loans0.98%1.23%2.23%1.94%2.66%1.98%1.93%1.17%-77 bps
Net Charge-Offs / Loans0.19%0.14%0.00%-0.03%-0.02%0.00%0.25%0.13%+15 bps
Allowance / Loans0.81%0.80%0.83%0.90%0.89%0.89%0.89%0.95%+5 bps
Allowance Coverage of NPLs0.8x0.7x0.4x0.5x0.3x0.4x0.5x0.8x+0.3x
Capital
Tier 1 Leverage Ratio8.30%8.81%8.62%8.75%9.13%8.83%8.58%8.84%+10 bps
Total Risk-Based Capital17.50%17.41%17.46%18.24%18.22%18.56%19.01%19.85%+161 bps
Equity / Assets5.52%4.36%4.87%5.05%6.09%5.85%5.95%5.84%+79 bps
Liquidity & Funding
Loans / Deposits52.28%50.42%50.35%50.73%51.23%46.24%46.35%45.44%-529 bps
Liquid Assets / Assets0.21%0.19%0.18%0.19%0.17%0.15%2.90%2.54%+236 bps
CRE / Total Capitaln/an/an/an/a44.13%45.03%41.43%n/an/a