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Norbank

North Kansas City, MO · Cert 8888

FDIC · 23 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

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

Basis

Quarter: Q3 2025, the quarter ended September 30, 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=285 to 291). 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

55

Q2 2024Q3 2025peer median (50)

Asset Quality

69

Q2 2024Q3 2025peer median (50)

Profitability

66

Q2 2024Q3 2025peer median (50)

Liquidity

54

Q2 2024Q3 2025peer median

Efficiency

15

Q2 2024Q3 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

Norbank

North Kansas City, MO · Cert 8888

FDIC · 23 branches

Q3 2025

$2.2BAssets
$1.5BLoans
$2.0BDeposits
$224.6MEquity
Loan mix
80%RE $1.2B19%C&I $0.3B1%Consumer $0.0BQ3 2024Q3 2025
Deposit mix
54%Interest-bearing $1.0B46%Noninterest $0.9BQ3 2024Q3 2025

NIM

3.99%Q3 ’234.44%Q3 ’244.84%Q3 ’25-2%+15%

Non-interest income vs. expense

3.86%Q3 ’233.75%Q3 ’244.37%Q3 ’25-4%+22%

Market Position · Kansas City, MO-KS · 2025 SOD (annual) · 1.9% share · #9 of 116 inst. · $1.9B of $99.6B

1.6% Jackson
2.4% Johnson
6.9% Cass
6.5% Leavenworth

Executive Summary

  • Earnings: ROA of 1.20%, up 7 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.47% of loans (-45 bps YoY), with net recoveries of 0.08%.
  • Capital: tier 1 leverage ratio of 10.55%, up 37 bps from a year ago.
  • Funding: loans stand at 77.14% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

1.20%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+48 bps YoY

Efficiency Ratio (YTD, annualized)

74.36%+197 bps YoY

Tier 1 Leverage Ratio

10.55%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets1.13%1.12%1.29%1.47%1.20%+7 bps
Return on Equity12.78%12.45%13.22%14.79%12.00%-78 bps
Net Interest Margin3.28%3.39%3.67%3.72%3.76%+48 bps
Efficiency Ratio72.38%72.76%68.84%65.81%74.36%+197 bps
Non-Interest Burden1.84%1.92%1.89%1.75%2.25%+40 bps
Growth
Asset Growth (YoY)6.61%-1.08%4.17%1.60%-2.11%-872 bps
Loan Growth (YoY)9.89%9.95%11.20%11.47%7.29%-260 bps
Deposit Growth (YoY)8.84%7.97%12.28%9.55%7.45%-140 bps
Asset Quality
Nonperforming Loans / Loans0.92%0.67%0.55%0.68%0.47%-45 bps
Net Charge-Offs / Loans-0.07%-0.02%0.01%0.01%-0.08%-1 bps
Allowance / Loans1.19%1.16%1.20%1.17%1.18%-1 bps
Allowance Coverage of NPLs1.3x1.7x2.2x1.7x2.5x+1.2x
Capital
Tier 1 Leverage Ratio10.18%10.36%10.76%10.98%10.55%+37 bps
Total Risk-Based Capital10.18%14.21%14.67%14.69%14.68%+450 bps
Equity / Assets9.10%9.69%9.87%10.32%10.05%+95 bps
Liquidity & Funding
Loans / Deposits77.25%77.19%78.47%80.09%77.14%-11 bps
Liquid Assets / Assets30.66%24.64%23.82%23.29%25.17%-550 bps
CRE / Total Capitaln/an/an/an/a382%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

Norbank

North Kansas City, MO · Cert 8888 · Peer group: banks $1B-$10B in assets (n=285-291)

FDIC · 23 branches

Q3 2025

$2.2BAssets
$1.5BLoans
$2.0BDeposits
$224.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 82% of banks $1B-$10B in assets (rank 54 of 285).
  • Widest gap: efficiency ratio trails 85% of banks $1B-$10B in assets (rank 249 of 291).
  • Overall: at or above the peer median on 8 of 10 directional measures.

Return on Assets

1.18%

Rank 115 of 291

Net Interest Margin

3.76%

Rank 67 of 291

Efficiency Ratio

74.55%

Rank 249 of 291

Equity / Assets

10.05%

Rank 160 of 291

Non-interest income vs. expense

$47.2M$97.0MINCOMEEXPENSE
Unfavorable gap of $49.9M · efficiency ratio beats 15% of banks $1B-$10B in assets
Bank 74.55%Peer median 61.2%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.18%0.80%1.07%1.37%Beats 60%115 / 291
Return on Equity11.75%7.85%10.60%13.16%Beats 62%110 / 291
Net Interest Margin3.76%2.88%3.27%3.69%Beats 77%67 / 291
Efficiency Ratio74.55%53.64%61.20%68.97%Beats 15%249 / 291
Asset Quality
Nonperforming Loans / Loans0.47%0.24%0.52%0.94%Beats 56%127 / 285
Net Charge-Offs / Loans0.01%0.01%0.04%0.15%Beats 82%54 / 285
Capital
Tier 1 Capital Ratio13.52%11.35%12.87%15.16%Beats 58%122 / 291
Total Risk-Based Capital Ratio14.68%12.28%13.77%16.18%Beats 62%112 / 291
Equity / Assets10.05%8.93%10.33%11.81%Beats 45%160 / 291
Liquidity & Funding
Loans / Deposits77.14%76.91%87.29%94.96%25th pctl214 / 286
Loans / Assets67.52%65.69%74.03%80.32%28th pctl205 / 285
Brokered Deposits / Deposits2.24%n/a2.68%9.90%Beats 51%140 / 286