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Kaw Valley Bank

Topeka, KS · Cert 9665 · R Dean Phillips Bk Tr Dated 11-19-2004

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

18

Q2 2024Q2 2026peer median

Efficiency

69

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

Kaw Valley Bank

Topeka, KS · Cert 9665 · R Dean Phillips Bk Tr Dated 11-19-2004

State charter, non-member · FDIC · 6 affiliate banks · 7 branches (43 in holding)

Q2 2026

$339.5MAssets
$280.7MLoans
$283.0MDeposits
$41.9MEquity
Loan mix
82%RE $229.6M16%C&I $45.4M2%Consumer $6.1MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $185.0M35%Noninterest $98.0MQ2 2025Q2 2026

NIM

5.49%Q2 ’245.70%Q2 ’255.85%Q2 ’26+2%+1%

Non-interest income vs. expense

3.18%Q2 ’243.28%Q2 ’253.00%Q2 ’26+5%-8%

Market Position · Topeka, KS · 2026 SOD (annual) · 4.0% share · #7 of 30 inst. · $0.3B of $7.1B

Executive Summary

  • Earnings: ROA of 1.45%, up 21 bps year over year; NIM at 4.43%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.90%, up 14 bps from a year ago.
  • Funding: loans stand at 99.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.45%+21 bps YoY

Net Interest Margin (YTD, annualized)

4.43%+6 bps YoY

Efficiency Ratio (YTD, annualized)

61.43%-559 bps YoY

Tier 1 Leverage Ratio

11.90%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.24%1.31%1.38%1.45%+21 bps
Return on Equity10.56%10.46%10.96%11.47%11.94%+138 bps
Net Interest Margin4.38%4.40%4.38%4.42%4.43%+6 bps
Efficiency Ratio67.02%67.11%65.63%62.76%61.43%-559 bps
Non-Interest Burden2.74%2.76%2.68%2.58%2.53%-21 bps
Growth
Asset Growth (YoY)1.63%-0.05%4.97%7.82%9.06%+743 bps
Loan Growth (YoY)0.84%0.50%4.68%15.66%13.64%+1,280 bps
Deposit Growth (YoY)2.26%0.93%5.22%8.08%9.35%+709 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.01%0.01%0.04%0.00%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.02%-0.01%-0.01%-1 bps
Allowance / Loans1.31%1.28%1.24%1.20%1.28%-3 bps
Allowance Coverage of NPLs55.6x140.0x93.8x32.8x275.5x+219.8x
Capital
Tier 1 Leverage Ratio11.76%12.06%12.05%11.80%11.90%+14 bps
Total Risk-Based Capital11.76%12.06%12.05%11.80%11.90%+14 bps
Equity / Assets12.09%12.48%12.27%11.80%12.33%+24 bps
Liquidity & Funding
Loans / Deposits95.44%96.95%94.53%98.18%99.19%+375 bps
Liquid Assets / Assets3.47%3.52%3.43%2.36%2.99%-48 bps
CRE / Total Capitaln/a334%339%368%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

Kaw Valley Bank

Topeka, KS · Cert 9665 · Peer group: banks under $1B in assets (n=581-629) · R Dean Phillips Bk Tr Dated 11-19-2004

State charter, non-member · FDIC · 6 affiliate banks · 7 branches (43 in holding)

Q2 2026

$339.5MAssets
$280.7MLoans
$283.0MDeposits
$41.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 88% of banks under $1B in assets (rank 77 of 629).
  • Widest gap: total risk-based capital ratio trails 72% of banks under $1B in assets (rank 456 of 629).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.43%

Rank 165 of 629

Net Interest Margin

4.43%

Rank 77 of 629

Efficiency Ratio

61.43%

Rank 199 of 629

Equity / Assets

12.33%

Rank 209 of 629

Non-interest income vs. expense

$1.6M$10.3MINCOMEEXPENSE
Unfavorable gap of $8.7M · efficiency ratio beats 69% of banks under $1B in assets
Bank 61.43%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.43%0.60%1.01%1.45%Beats 74%165 / 629
Return on Equity11.60%5.38%9.30%13.28%Beats 65%223 / 629
Net Interest Margin4.43%3.03%3.54%4.05%Beats 88%77 / 629
Efficiency Ratio61.43%58.35%67.79%79.08%Beats 69%199 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 85%86 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 58%245 / 581
Capital
Tier 1 Capital Ratio11.90%11.24%13.84%18.77%Beats 32%426 / 629
Total Risk-Based Capital Ratio11.90%11.58%14.43%19.66%Beats 28%456 / 629
Equity / Assets12.33%9.09%10.65%13.80%Beats 67%209 / 629
Liquidity & Funding
Loans / Deposits99.19%67.24%80.90%93.48%85th pctl91 / 594
Loans / Assets82.67%53.31%67.71%78.15%87th pctl83 / 629
Brokered Deposits / Depositsn/aNot reported for this institution