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Crosspoint Bank

Overland Park, KS · Cert 58648

FDIC · 16 branches

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=289 to 295). 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

21

Q2 2024Q1 2025peer median (50)

Asset Quality

17

Q2 2024Q1 2025peer median (50)

Profitability

1

Q2 2024Q1 2025peer median (50)

Liquidity

55

Q2 2024Q1 2025peer median

Efficiency

2

Q2 2024Q1 2025peer 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

Crosspoint Bank

Overland Park, KS · Cert 58648

FDIC · 16 branches

Q1 2025

$7.4BAssets
$6.0BLoans
$6.5BDeposits
$764.4MEquity
Loan mix
46%RE $2.1B54%C&I $2.4B0%Consumer $0.0BQ1 2024Q1 2025
Deposit mix
84%Interest-bearing $5.5B16%Noninterest $1.0BQ1 2024Q1 2025

NIM

5.74%Q1 ’236.43%Q1 ’242.12%Q1 ’25-11%-61%

Non-interest income vs. expense

2.22%Q1 ’232.00%Q1 ’241.34%Q1 ’25-14%-27%

Market Position · Kansas City, MO-KS · 2024 SOD (annual) · 3.4% share · #5 of 118 inst. · $3.0B of $88.5B

9.5% Johnson
0.4% Dallas
3.6% Sedgwick
2.1% Tulsa

Executive Summary

  • Earnings: ROA of -1.83%, down 284 bps year over year; NIM at 1.19%.
  • Asset quality: problem loans at 0.79% of loans (+55 bps YoY), with net charge-offs at 1.97%.
  • Capital: tier 1 leverage ratio of 8.78%, down 107 bps from a year ago.
  • Funding: loans stand at 92.69% of deposits as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

-1.83%-284 bps YoY

Net Interest Margin (YTD, annualized)

1.19%-188 bps YoY

Efficiency Ratio (YTD, annualized)

101.10%+4,314 bps YoY

Tier 1 Leverage Ratio

8.78%-107 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets1.01%1.01%1.06%1.09%-1.83%-284 bps
Return on Equity10.72%10.78%11.09%11.33%-18.08%-2,880 bps
Net Interest Margin3.07%3.04%3.04%3.12%1.19%-188 bps
Efficiency Ratio57.95%57.40%55.62%54.49%101.10%+4,314 bps
Non-Interest Burden1.70%1.66%1.60%1.60%1.23%-47 bps
Growth
Asset Growth (YoY)8.47%7.29%5.61%3.93%-0.37%-884 bps
Loan Growth (YoY)10.65%9.45%6.48%2.13%-3.38%-1,404 bps
Deposit Growth (YoY)13.05%10.53%4.89%3.53%-1.32%-1,437 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.19%0.32%0.55%0.79%+55 bps
Net Charge-Offs / Loans0.09%0.08%0.09%0.09%1.97%+188 bps
Allowance / Loans1.20%1.20%1.23%1.26%1.86%+67 bps
Allowance Coverage of NPLs5.0x6.4x3.8x2.3x2.3x-2.6x
Capital
Tier 1 Leverage Ratio9.85%9.91%10.05%10.43%8.78%-107 bps
Total Risk-Based Capital11.14%11.21%11.66%12.14%10.27%-87 bps
Equity / Assets9.34%9.36%10.03%9.96%10.26%+93 bps
Liquidity & Funding
Loans / Deposits94.67%94.07%95.31%93.08%92.69%-198 bps
Liquid Assets / Assets2.22%2.58%2.26%4.45%8.48%+626 bps
CRE / Total Capitaln/an/an/an/an/an/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

Crosspoint Bank

Overland Park, KS · Cert 58648 · Peer group: banks $1B-$10B in assets (n=289-295)

FDIC · 16 branches

Q1 2025

$7.4BAssets
$6.0BLoans
$6.5BDeposits
$764.4MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 56% of banks $1B-$10B in assets (rank 130 of 295).
  • Widest gap: net interest margin trails 99% of banks $1B-$10B in assets (rank 291 of 295).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-1.85%

Rank 293 of 295

Net Interest Margin

1.19%

Rank 291 of 295

Efficiency Ratio

104.31%

Rank 289 of 293

Equity / Assets

10.26%

Rank 130 of 295

Non-interest income vs. expense

$8.1M$101.0MINCOMEEXPENSE
Unfavorable gap of $92.9M · efficiency ratio beats 2% of banks $1B-$10B in assets
Bank 104.31%Peer median 64.4%Q3 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.85%0.66%0.99%1.28%Beats 1%293 / 295
Return on Equity-18.07%6.86%10.32%12.56%Beats 1%293 / 295
Net Interest Margin1.19%2.78%3.17%3.67%Beats 1%291 / 295
Efficiency Ratio104.31%55.64%64.40%72.15%Beats 2%289 / 293
Asset Quality
Nonperforming Loans / Loans0.79%0.14%0.43%0.88%Beats 29%206 / 289
Net Charge-Offs / Loans0.48%0.00%0.01%0.03%Beats 4%279 / 289
Capital
Tier 1 Capital Ratio9.60%11.30%12.70%14.80%Beats 3%286 / 295
Total Risk-Based Capital Ratio10.27%12.21%13.57%15.83%Beats 4%282 / 295
Equity / Assets10.26%8.74%9.92%11.39%Beats 56%130 / 295
Liquidity & Funding
Loans / Deposits92.69%77.01%86.08%94.78%69th pctl91 / 290
Loans / Assets81.07%65.46%73.72%80.10%78th pctl63 / 289
Brokered Deposits / Depositsn/aNot reported for this institution