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National Advisors Trust Company

Kansas City, MO · Cert 57160

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 the Kansas City, MO-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 Kansas City, MO-KS area (n=40). 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

98

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

17

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

National Advisors Trust Company

Kansas City, MO · Cert 57160

National charter · OCC · 1 branch

Q2 2026

$21.6MAssets
$0KLoans
$500KDeposits
$17.2MEquity
Deposit mix
100%Interest-bearing $500K0%Noninterest $0KQ3 2024Q2 2026

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.0% share · #110 of 114 inst. · $0.0B of $99.1B

Executive Summary

  • Earnings: ROA of 21.17%, down 175 bps year over year; NIM at 3.09%.
  • Capital: tier 1 leverage ratio of 83.70%, up 99 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

21.17%-175 bps YoY

Net Interest Margin (YTD, annualized)

3.09%-178 bps YoY

Efficiency Ratio (YTD, annualized)

72.63%-182 bps YoY

Tier 1 Leverage Ratio

83.70%+99 bps YoY

NIM

6.17%Q2 ’244.93%Q2 ’253.16%Q2 ’26-21%-37%

Non-interest income vs. expense

77.26%Q2 ’2493.90%Q2 ’2581.64%Q2 ’26+20%+7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets23.81%17.76%5.29%22.93%18.12%20.03%11.29%21.17%-175 bps
Return on Equity30.22%23.43%7.65%31.93%24.75%26.76%14.03%26.42%-551 bps
Net Interest Margin5.66%5.40%4.28%4.87%4.69%4.69%3.21%3.09%-178 bps
Efficiency Ratio68.97%71.83%87.43%74.45%79.37%77.67%84.22%72.63%-182 bps
Non-Interest Burden-28.25%-24.98%-9.90%-26.94%-19.62%-21.93%-11.00%-25.00%+194 bps
Growth
Asset Growth (YoY)-16.06%-18.30%-8.86%-2.72%-16.13%-11.69%10.54%7.04%+976 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio85.18%64.78%77.48%82.72%72.47%84.13%80.21%83.70%+99 bps
Total Risk-Based Capital333%280%308%297%374%362%346%295%-237 bps
Equity / Assets81.39%63.37%75.98%76.89%77.84%81.63%79.38%79.56%+267 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets31.90%33.30%19.63%27.01%25.08%25.44%29.34%30.41%+340 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%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

National Advisors Trust Company

Kansas City, MO · Cert 57160 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=40)

National charter · OCC · 1 branch

Q2 2026

$21.6MAssets
$0KLoans
$500KDeposits
$17.2MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 98% of banks under $1B in assets in the Kansas City, MO-KS area (rank 1 of 40).
  • Widest gap: net interest margin trails 85% of banks under $1B in assets in the Kansas City, MO-KS area (rank 34 of 40).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

19.52%

Rank 1 of 40

Net Interest Margin

3.09%

Rank 34 of 40

Efficiency Ratio

74.42%

Rank 34 of 40

Equity / Assets

79.56%

Rank 1 of 40

Non-interest income vs. expense

$21.8M$16.7MINCOMEEXPENSE
Favorable gap of $5.1M · efficiency ratio beats 17% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 74.42%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets19.52%1.02%1.39%1.86%Beats 98%1 / 40
Return on Equity24.54%10.74%14.78%21.32%Beats 93%3 / 40
Net Interest Margin3.09%3.33%4.05%4.63%Beats 15%34 / 40
Efficiency Ratio74.42%51.70%58.10%69.29%Beats 17%34 / 40
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio295%11.32%12.27%16.94%Beats 98%1 / 40
Total Risk-Based Capital Ratio295%11.32%13.09%17.63%Beats 98%1 / 40
Equity / Assets79.56%8.41%10.10%12.34%Beats 98%1 / 40
Liquidity & Funding
Loans / Deposits0.00%73.50%85.60%94.85%0th pctl40 / 40
Loans / Assets0.00%62.75%69.87%79.23%0th pctl40 / 40
Brokered Deposits / Depositsn/aNot reported for this institution