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Lead Bank

Kansas City, MO · Cert 8283 · Luna Parent Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

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

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 $1B-$10B in assets (n=322 to 328). 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

6

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

6

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

Lead Bank

Kansas City, MO · Cert 8283 · Luna Parent Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$2.8BAssets
$1.1BLoans
$2.5BDeposits
$244.1MEquity
Loan mix
30%RE $329.1M5%C&I $49.1M65%Consumer $708.5MQ2 2025Q2 2026
Deposit mix
53%Interest-bearing $1.3B47%Noninterest $1.2BQ2 2025Q2 2026

NIM

10.45%Q2 ’248.12%Q2 ’257.35%Q2 ’26-24%-13%

Non-interest income vs. expense

11.79%Q2 ’2410.12%Q2 ’2513.96%Q2 ’26-28%-40%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 2.5% share · #9 of 114 inst. · $2.5B of $99.1B

Executive Summary

  • Earnings: ROA of 1.59%, up 28 bps year over year; NIM at 6.70%.
  • Asset quality: problem loans at 3.26% of loans (+147 bps YoY), with net charge-offs at 0.87%.
  • Capital: tier 1 leverage ratio of 7.40%, up 9 bps from a year ago.
  • Funding: loans stand at 46.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.59%+28 bps YoY

Net Interest Margin (YTD, annualized)

6.70%-96 bps YoY

Efficiency Ratio (YTD, annualized)

79.02%-148 bps YoY

Tier 1 Leverage Ratio

7.40%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.43%1.34%1.59%1.59%+28 bps
Return on Equity12.99%13.77%13.53%18.24%18.15%+516 bps
Net Interest Margin7.66%7.37%6.85%7.51%6.70%-96 bps
Efficiency Ratio80.51%80.35%78.90%80.02%79.02%-148 bps
Non-Interest Burden5.46%5.19%4.60%4.61%3.26%-221 bps
Growth
Asset Growth (YoY)65.39%73.56%64.51%53.37%58.29%-710 bps
Loan Growth (YoY)25.50%26.17%40.21%35.45%26.66%+116 bps
Deposit Growth (YoY)76.01%80.24%68.04%55.32%61.35%-1,465 bps
Asset Quality
Nonperforming Loans / Loans1.79%1.92%2.07%2.31%3.26%+147 bps
Net Charge-Offs / Loans0.30%0.32%0.77%0.84%0.87%+57 bps
Allowance / Loans0.90%0.95%1.07%1.41%2.31%+141 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.6x0.7x+0.2x
Capital
Tier 1 Leverage Ratio7.30%8.54%7.84%7.55%7.40%+9 bps
Total Risk-Based Capital28.02%33.38%24.81%23.66%21.60%-642 bps
Equity / Assets10.17%11.05%8.64%8.73%8.84%-133 bps
Liquidity & Funding
Loans / Deposits58.74%53.01%45.97%45.78%46.11%-1,263 bps
Liquid Assets / Assets24.41%28.71%34.52%34.97%33.45%+904 bps
CRE / Total Capitaln/a149.48%154.62%154.99%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

Lead Bank

Kansas City, MO · Cert 8283 · Peer group: banks $1B-$10B in assets (n=322-328) · Luna Parent Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$2.8BAssets
$1.1BLoans
$2.5BDeposits
$244.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 98% of banks $1B-$10B in assets (rank 8 of 328).
  • Widest gap: nonperforming loans / loans trails 95% of banks $1B-$10B in assets (rank 308 of 322).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.54%

Rank 77 of 328

Net Interest Margin

6.70%

Rank 8 of 328

Efficiency Ratio

80.77%

Rank 309 of 328

Equity / Assets

8.84%

Rank 264 of 328

Non-interest income vs. expense

$294.0M$383.5MINCOMEEXPENSE
Unfavorable gap of $89.5M · efficiency ratio beats 6% of banks $1B-$10B in assets
Bank 80.77%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.54%0.91%1.22%1.52%Beats 77%77 / 328
Return on Equity17.45%8.43%11.45%14.43%Beats 89%35 / 328
Net Interest Margin6.70%3.03%3.45%3.83%Beats 98%8 / 328
Efficiency Ratio80.77%51.61%59.56%67.53%Beats 6%309 / 328
Asset Quality
Nonperforming Loans / Loans3.26%0.24%0.51%1.03%Beats 5%308 / 322
Net Charge-Offs / Loans0.54%0.01%0.03%0.10%Beats 6%304 / 322
Capital
Tier 1 Capital Ratio20.33%11.75%13.15%15.47%Beats 91%30 / 328
Total Risk-Based Capital Ratio21.60%12.63%14.15%16.46%Beats 91%28 / 328
Equity / Assets8.84%9.15%10.33%12.01%Beats 20%264 / 328
Liquidity & Funding
Loans / Deposits46.11%76.63%87.92%95.36%3rd pctl312 / 323
Loans / Assets41.17%65.18%74.15%79.98%5th pctl311 / 328
Brokered Deposits / Depositsn/aNot reported for this institution