Bankers Index

Bankers’ Index AN ANALYSIS OF KANSAS AND MISSOURI COMMUNITY BANKS Bankers’ Index

The Bankers’ Index is published by the Kansas ASSET SIZE DEFINITION

Kansas office of Moss Adams. For more information KANSAS CITY Group A $0–$250 million on the data presented in this report, contact 7285 West 132nd Street Suite 220 Group B $251 million–$500 million Ryan Stucky, Senior Manager, at (913) 202-7175. Overland Park, KS 66213 (913) 599-3236 Group C $501 million–$1 billion

Group D Over $1 billion Kansas Performance Analysis Performance Analysis June 30, 2021 Run Date: August 13, 2021

Summary Trends of Historical Asset Group Averages: Return on Average Assets

Asset Group A ‐ $0 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets Year‐to‐Date Year‐to‐Date 1.10% 1.35%

1.05% 1.30%

1.25% 1.00%

1.20% 0.95% 1.15%

0.90% 1.10%

0.85% 1.05%

0.80% 1.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Return on Avg Assets 1.02% 1.00% 0.97% 0.99% 1.02% 1.02% 0.91% 1.01% 1.06% Return on Avg Assets 1.28% 1.29% 1.32% 1.26% 1.25% 1.26% 1.23% 1.11% 1.27%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ Over $1 billion in Total Assets Year‐to‐Date Year‐to‐Date 1.40% 2.50%

1.20% 2.00%

1.00%

1.50% 0.80%

0.60% 1.00%

0.40%

0.50% 0.20%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Return on Avg Assets 1.19% 1.21% 1.20% 0.99% 1.26% 1.16% 1.30% 1.16% 1.25% Return on Avg Assets 1.17% 1.20% 1.23% 0.85% 0.96% 1.01% 0.98% 1.04% 2.09%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Performance Graph Page 3 of 73 Performance Analysis June 30, 2021 Run Date: August 13, 2021

Summary Trends of Historical Asset Group Averages: Return on Average Equity

Asset Group A ‐ $0 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets Year‐to‐Date Year‐to‐Date 9.50% 14.00%

9.00% 12.00%

10.00% 8.50%

8.00% 8.00% 6.00%

7.50% 4.00%

7.00% 2.00%

6.50% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Return on Avg Equity 8.18% 7.93% 7.64% 7.95% 7.75% 8.49% 7.67% 8.04% 8.93% Return on Avg Equity 11.90% 11.75% 11.83% 11.39% 11.39% 11.49% 11.09% 9.79% 11.21%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ Over $1 billion in Total Assets Year‐to‐Date Year‐to‐Date 12.00% 18.00%

16.00% 10.00% 14.00%

8.00% 12.00%

10.00% 6.00% 8.00%

4.00% 6.00%

4.00% 2.00% 2.00%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Return on Avg Equity 9.85% 9.93% 9.77% 6.98% 10.34% 10.46% 11.13% 9.97% 11.28% Return on Avg Equity 10.47% 10.61% 11.03% 7.41% 8.98% 8.75% 9.19% 8.55% 16.20%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Performance Graph Page 4 of 73 Performance Analysis June 30, 2021 Run Date: August 13, 2021

As of Date Quarter to Date Year to Date

Net Income Return on Avg Return on Efficiency Ratio Salary Exp/ Net Income Return on Avg Return on Efficiency Ratio Salary Exp/ Total Assets ($000) (Loss) ($000) Assets (%) Avg Equity (%) (FTE) (%) Employees ($000) (Loss) ($000) Assets (%) Avg Equity (%) (FTE) (%) Employees ($000) Region Institution Name

Asset Group A - $0 to $250 million in total assets

The Walton State Bank $11,668 $9 0.30% 4.90% 85.59% $56 $1 0.02% 0.28% 96.45% $53 State Bank of Burrton $12,541 ($22) (0.70%) (7.22%) 126.51% $65 $32 0.59% 5.12% 77.73% $63 Prescott State Bank $15,058 $15 0.40% 2.67% 85.61% $56 $33 0.50% 3.06% 84.56% $66 First National Bank of Harveyville $17,009 $11 0.26% 3.00% 91.14% $91 $37 0.49% 5.12% 83.66% $83 Peoples State Bank $17,211 $129 2.88% 10.95% 50.00% $58 $325 3.73% 13.69% 38.80% $46 Farmers State Bank $17,248 ($4) (0.09%) (0.82%) 102.88% $50 $48 0.62% 4.94% 80.72% $52 Dickinson County Bank $17,271 $82 1.90% 18.56% 54.40% $35 ($3) (0.03%) (0.41%) 92.20% $51 Bison State Bank $18,200 $74 1.52% 17.51% 71.90% $63 $57 0.77% 7.46% 87.71% $74 The Alden State Bank $21,334 ($8) (0.15%) (1.31%) 104.49% $69 $12 0.12% 0.95% 106.07% $71 Emerald Bank $21,616 $54 0.99% 10.22% 68.30% $39 $36 0.39% 3.73% 88.25% $50 The Bank of Denton $22,473 $39 0.68% 4.45% 70.45% $69 $80 0.88% 4.69% 69.28% $61 Hillsboro State Bank $22,986 $27 0.45% 5.60% 79.44% $76 $44 0.46% 4.54% 81.50% $53 Farmers State Bank $24,127 $32 0.53% 5.98% 82.89% $84 $52 0.53% 4.91% 86.02% $87 The Marion National Bank $25,986 $60 0.92% 5.41% 59.82% $58 $71 0.57% 3.44% 70.93% $57 The Baxter State Bank $27,109 $21 0.31% 1.46% 91.63% $80 $64 0.51% 2.20% 90.40% $69 Marquette Farmers State Bank of Marquette $31,581 $33 0.42% 2.66% 82.49% $68 $11 0.08% 0.44% 78.62% $80 State Bank of Canton $34,058 $15 0.18% 0.90% 89.95% $86 $94 0.63% 2.86% 79.05% $79 Gorham State Bank $36,317 $100 1.10% 10.17% 60.71% $66 $207 1.36% 11.45% 56.79% $63 Union State Bank $37,173 $61 0.63% 5.53% 66.83% $47 $117 0.71% 5.22% 70.21% $51 Piqua State Bank $38,664 ($20) (0.22%) (2.24%) 103.03% $49 $8 0.06% 0.46% 73.91% $44 Farmers State Bank $39,283 $53 0.56% 4.85% 78.25% $72 $76 0.42% 3.77% 81.50% $84 Cottonwood Valley Bank $40,935 $74 0.73% 5.79% 66.05% $81 $170 0.95% 6.88% 73.26% $92 Ninnescah Valley Bank $40,951 $185 1.88% 15.38% 64.37% $78 $164 0.98% 7.72% 68.78% $79 The State Exchange Bank $42,297 $120 1.10% 9.08% 57.36% $68 $125 0.68% 5.23% 67.56% $84 The Haviland State Bank $43,216 $107 0.97% 6.91% 60.63% $81 $260 1.32% 9.07% 58.88% $82 Bank of Greeley $43,940 $186 1.70% 14.02% 46.43% $85 $239 1.23% 9.34% 62.42% $109 Farmers and Merchants Bank of Mound City, Kansas $46,647 $140 1.18% 16.90% 67.33% $102 $306 1.48% 19.03% 63.27% $104 Olpe State Bank $48,021 $158 1.31% 9.55% 63.62% $60 $255 1.24% 8.03% 68.80% $61 First National Bank of Spearville $48,415 $218 1.75% 12.44% 39.32% $65 $349 1.69% 10.21% 42.52% $61 Swedish-American State Bank $49,208 $380 3.02% 26.30% 44.23% $90 $350 1.66% 13.27% 63.08% $86 The First State Bank of Ransom $49,269 $137 1.09% 5.28% 54.67% $69 $270 1.25% 5.42% 58.41% $69 Ford County State Bank $49,744 $8 0.06% 0.59% 95.31% $85 $129 0.64% 4.76% 76.54% $93 Bank of Palmer $51,875 $241 1.80% 17.19% 67.78% $107 $174 0.74% 6.89% 71.58% $104 The City State Bank $53,102 $127 0.97% 12.28% 68.39% $64 $230 1.08% 11.47% 69.62% $62 KansasLand Bank $54,239 $4 0.03% 0.28% 100.65% $77 ($25) (0.09%) (0.90%) 94.58% $73 Peoples Bank $54,536 $103 0.76% 5.48% 73.35% $70 $227 0.87% 6.16% 72.12% $68 The Farmers State Bank of Blue Mound $54,982 $89 0.65% 4.03% 82.97% $73 $265 1.18% 6.28% 74.59% $68 Security State Bank $55,546 $162 1.16% 8.11% 70.56% $67 $116 0.46% 3.14% 84.40% $57 The Farmers State Bank of Bucklin, Kansas $56,276 $141 1.01% 9.91% 64.56% $95 $234 0.97% 8.54% 74.00% $97 First National Bank in Frankfort $57,357 $179 1.22% 11.94% 61.67% $80 $260 1.05% 9.87% 67.98% $87

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Performance Page 5 of 73 Performance Analysis June 30, 2021 Run Date: August 13, 2021

As of Date Quarter to Date Year to Date

Asset Group A - $0 to $250 million in total assets

New Century Bank $59,849 $431 2.84% 24.82% 58.71% $77 $318 1.05% 10.74% 78.99% $75 The First National Bank of Sedan $60,173 ($20) (0.13%) (1.21%) 103.73% $50 ($241) (0.83%) (6.94%) 108.40% $75 The State Bank of Spring Hill $60,972 $29 0.19% 2.55% 80.88% $76 $130 0.52% 5.48% 76.30% $72 Union State Bank $62,382 $177 1.12% 14.35% 71.33% $75 $320 1.24% 14.45% 74.11% $85 Howard State Bank $63,927 $285 1.72% 16.35% 56.77% $52 $272 0.99% 8.24% 68.16% $47 Stock Exchange Bank $67,853 $296 1.74% 20.16% 51.05% $86 $267 0.96% 10.19% 73.80% $89 The First National Bank of Dighton $68,151 $153 0.87% 5.14% 57.36% $72 $196 0.64% 3.37% 61.40% $71 Tampa State Bank $69,204 $188 1.07% 12.42% 67.96% $87 $298 0.99% 9.85% 74.25% $85 The Bank of Holyrood $69,430 $291 1.68% 11.59% 41.00% $72 $390 1.23% 8.25% 51.60% $64 The Farmers State Bank $70,289 $370 2.18% 17.41% 45.37% $66 $340 1.14% 8.55% 64.57% $58 The Citizens State Bank and Trust Company $71,488 $225 1.29% 17.74% 69.95% $50 $478 1.91% 20.70% 57.37% $44 Farmers State Bank $71,881 $207 1.13% 7.61% 71.48% $110 $131 0.40% 2.35% 85.60% $96 Kaw Valley State Bank $72,922 $142 0.82% 9.14% 68.01% $70 $322 1.19% 11.09% 68.51% $67 Fowler State Bank $73,535 ($101) (0.54%) (5.78%) 121.88% $68 $26 0.06% 0.68% 98.95% $59 The First State Bank $75,126 $323 1.68% 9.81% 48.83% $103 $472 1.37% 7.44% 54.77% $93 The First Security Bank $75,307 $439 2.32% 26.05% 53.54% $53 $374 1.08% 12.49% 71.71% $65 Small Business Bank $77,271 $229 1.15% 8.36% 75.58% $78 $162 0.51% 3.19% 87.25% $80 The Bank of Protection $79,207 $308 1.55% 10.47% 53.40% $75 $743 2.08% 13.52% 45.20% $73 The Citizens State Bank of Cheney, Kansas $80,125 $242 1.24% 12.73% 64.42% $80 $496 1.48% 13.59% 57.43% $72 FNB Washington $80,536 $355 1.71% 6.78% 48.33% $61 $242 0.65% 2.41% 56.29% $61 Kansas State Bank $83,426 $258 1.26% 10.14% 55.82% $77 $298 0.87% 6.31% 64.22% $78 Heritage Bank $83,962 $108 0.52% 6.57% 70.79% $71 $154 0.45% 4.85% 82.42% $79 Exchange State Bank $84,326 $149 0.69% 7.12% 75.00% $73 $331 0.87% 8.48% 66.43% $75 The First State Bank of Healy $84,586 $448 2.16% 9.87% 43.09% $118 $551 1.41% 6.41% 54.86% $117 Bendena State Bank $88,032 $280 1.27% 15.28% 57.48% $69 $533 1.58% 15.40% 57.57% $68 The Lyndon State Bank $88,615 $286 1.30% 13.13% 73.36% $90 $163 0.42% 3.86% 89.59% $91 The First National Bank of Hope $90,376 $40 0.18% 1.63% 78.36% $41 $100 0.22% 1.97% 78.54% $69 The University National Bank of Lawrence $91,897 $145 0.65% 7.13% 80.25% $85 $582 1.46% 15.01% 69.58% $77 Johnson State Bank $92,420 $73 0.32% 2.03% 79.90% $60 $212 0.50% 3.24% 78.17% $57 Kendall Bank $92,925 ($488) (2.09%) (17.21%) 125.10% $82 $59 0.28% 2.32% 98.31% $67 First Federal Savings and Loan Bank $94,996 $816 3.47% 24.88% 21.04% $109 $1,154 2.36% 19.95% 35.78% $145 First Bank of Beloit $96,459 $264 1.10% 9.26% 64.13% $106 $342 0.84% 6.34% 67.52% $85 The Baldwin State Bank $97,507 $266 1.09% 11.11% 58.88% $67 $531 1.25% 11.86% 61.39% $63 The Stockgrowers State Bank $98,097 $287 1.28% 10.26% 57.97% $68 $630 1.51% 11.87% 52.97% $79 The Bank of Commerce and Trust Company $98,107 $272 1.10% 12.50% 68.42% $67 $428 0.99% 10.92% 82.43% $71 First National Bank of Kansas $99,319 $174 0.73% 7.98% 74.15% $72 $314 0.68% 7.25% 82.70% $71 CBW Bank $100,639 $1,567 7.24% 38.52% 35.77% $77 $1,484 3.02% 19.23% 72.83% $96 Community Bank of Wichita, Inc. $102,352 $406 1.58% 19.06% 58.49% $90 $419 0.90% 10.60% 69.58% $80 First National Bank in Fredonia $103,465 $358 1.36% 8.44% 53.48% $54 $642 1.34% 7.57% 59.41% $63 Conway Bank $106,002 $162 0.60% 6.69% 76.77% $71 $10 0.02% 0.21% 91.58% $67 The Elk State Bank $109,220 $443 1.60% 16.74% 48.01% $82 $327 0.67% 6.40% 69.34% $86

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Performance Page 6 of 73 Performance Analysis June 30, 2021 Run Date: August 13, 2021

As of Date Quarter to Date Year to Date

Asset Group A - $0 to $250 million in total assets

State Bank of Bern $110,710 $408 1.46% 9.30% 42.39% $86 $728 1.52% 8.83% 44.34% $73 Citizens State Bank and Trust Company $112,702 $127 0.45% 3.35% 82.57% $71 $579 1.24% 7.55% 67.90% $69 Wilson State Bank $113,887 $375 1.35% 16.08% 61.67% $73 $493 1.03% 11.28% 68.45% $73 The Riley State Bank of Riley Kansas $116,328 $767 2.64% 28.48% 40.01% $63 $468 0.97% 9.08% 63.14% $58 TriCentury Bank $120,423 $517 1.73% 14.53% 42.30% $102 $505 0.91% 8.02% 58.41% $96 State Bank of Downs $120,715 $394 1.30% 11.27% 59.68% $109 $812 1.59% 12.78% 57.28% $88 Farmers Bank & Trust $125,404 $614 1.96% 20.76% 48.59% $65 $648 1.15% 12.84% 61.38% $61 First National Bank in Cimarron $127,574 $493 1.52% 19.08% 57.51% $97 $1,009 1.83% 23.21% 56.29% $101 Bank of Prairie Village $129,039 $452 1.39% 12.74% 59.25% $87 $853 1.56% 13.12% 52.69% $75 First Commerce Bank $130,244 $442 1.31% 14.25% 56.22% $107 $1,008 1.94% 16.61% 53.61% $106 Heartland Tri-State Bank $132,553 $504 1.48% 14.98% 49.21% $64 $694 1.10% 11.44% 70.58% $85 Prairie Bank of Kansas $133,779 $293 0.88% 10.36% 64.38% $79 $358 0.63% 6.65% 74.24% $81 American Bank of Baxter Springs $137,844 $132 0.39% 3.71% 84.90% $66 $484 0.83% 7.16% 80.22% $66 Community Bank $138,328 $745 2.16% 21.35% 40.38% $71 $1,662 2.89% 30.16% 41.75% $76 Bankwest of Kansas $139,853 $367 1.03% 9.46% 67.97% $66 $1,284 2.04% 17.37% 54.92% $69 Garden Plain State Bank $141,097 $390 1.12% 8.83% 53.40% $59 $734 1.38% 8.95% 52.66% $65 Citizens State Bank $141,279 $164 0.46% 3.89% 78.38% $84 $520 0.79% 6.14% 70.86% $88 Alliance Bank $142,621 $284 0.82% 8.32% 62.87% $82 $554 0.93% 8.68% 61.76% $79 First Bank $146,263 $415 1.09% 8.68% 58.59% $56 $1,141 1.51% 11.26% 53.10% $73 The Farmers State Bank $146,509 $494 1.36% 13.28% 58.33% $92 $1,022 1.58% 15.75% 57.34% $95 Andover State Bank $147,896 $291 0.78% 9.73% 72.95% $104 $549 0.88% 11.60% 67.51% $108 The First National Bank of Scott City $148,990 $437 1.16% 10.36% 60.68% $72 $442 0.68% 5.52% 68.94% $71 Home Bank and Trust Company $150,826 $457 1.25% 18.22% 69.33% $88 $972 1.65% 22.07% 61.93% $67 Stockgrowers State Bank $152,294 $320 0.83% 6.29% 72.65% $99 $682 0.97% 6.74% 68.04% $97 The Halstead Bank $154,219 $469 1.22% 14.41% 68.43% $87 $926 1.42% 15.07% 65.04% $78 The Community Bank $154,944 $433 1.05% 11.02% 61.81% $70 $549 0.82% 7.26% 64.73% $75 Southwind Bank $155,199 $527 1.37% 12.41% 47.49% $76 $883 1.31% 11.91% 57.45% $87 Flint Hills Bank $155,685 $772 1.94% 17.21% 43.56% $75 $934 1.38% 10.61% 55.67% $75 Chisholm Trail State Bank $157,380 $239 0.60% 5.85% 78.24% $99 $639 1.15% 10.15% 69.76% $93 Fidelity State Bank and Trust Company $157,696 $173 0.44% 5.08% 82.30% $63 $902 1.30% 13.49% 71.22% $62 Impact Bank $159,156 $486 1.19% 12.31% 62.14% $81 $779 1.08% 10.31% 75.01% $88 Union State Bank $162,050 $342 0.86% 7.41% 63.86% $95 $685 0.90% 7.52% 60.84% $94 Patriots Bank $164,101 $400 0.98% 10.52% 72.33% $80 $703 1.04% 10.48% 74.48% $71 Farmers National Bank $164,933 $735 1.78% 10.69% 44.68% $76 $1,094 1.51% 8.48% 52.95% $77 Carson Bank $165,199 $397 1.00% 13.16% 70.04% $68 $1,187 1.81% 22.04% 67.09% $73 The First National Bank of Louisburg $166,390 $469 1.10% 10.78% 61.71% $71 $984 1.46% 11.27% 54.97% $65 The Farmers State Bank of Aliceville, Kansas $171,675 $297 0.69% 4.54% 66.03% $134 $1,274 1.64% 10.45% 29.56% $45 The Lyon County State Bank $176,247 $387 0.87% 9.29% 71.74% $77 $850 1.16% 11.43% 71.17% $83 The Farmers State Bank of Oakley, Kansas $177,881 $766 1.73% 11.35% 44.36% $159 $1,314 1.68% 10.92% 43.96% $122

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Performance Page 7 of 73 Performance Analysis June 30, 2021 Run Date: August 13, 2021

As of Date Quarter to Date Year to Date

Asset Group A - $0 to $250 million in total assets

Valley State Bank $179,687 $490 1.09% 9.79% 59.71% $75 $678 0.93% 7.31% 64.32% $85 Kansas State Bank $180,966 $524 1.16% 14.02% 60.00% $56 $1,125 1.44% 15.10% 58.32% $56 Vintage Bank Kansas $181,790 $430 0.96% 9.37% 64.20% $55 $852 1.09% 10.20% 62.28% $56 Bankers' Bank of Kansas $183,316 $726 1.43% 9.69% 72.99% $102 $948 1.00% 6.74% 76.24% $86 The Valley State Bank $184,339 $752 1.60% 17.20% 61.28% $80 $1,399 1.64% 18.02% 61.45% $81 Community State Bank $189,028 $37 0.08% 0.74% 49.76% $76 $1,735 2.04% 17.38% 42.07% $73 Fusion Bank $194,462 $541 1.11% 9.15% 68.06% $126 $1,263 1.47% 11.29% 53.05% $101 Solomon State Bank $197,906 $687 1.36% 8.80% 46.01% $105 $1,510 1.48% 8.71% 46.37% $92 Farmers and Drovers Bank $210,128 $625 1.21% 4.81% 49.94% $86 $1,021 1.07% 4.04% 53.69% $90 VisionBank $213,455 $739 1.38% 15.34% 59.11% $88 $1,038 1.00% 12.06% 55.03% $97 The Fidelity State Bank and Trust Company $213,745 $389 0.73% 4.18% 64.86% $61 $1,148 1.27% 6.40% 52.39% $60 FirstOak Bank $215,877 $853 1.50% 16.10% 61.75% $73 $1,763 1.79% 17.27% 58.56% $72 Citizens National Bank $217,397 $787 1.45% 14.70% 57.11% $66 $881 0.96% 8.74% 68.97% $57 Freedom Bank $218,765 $255 0.50% 4.91% 79.48% $115 $660 0.73% 6.16% 73.52% $115 SJN Bank of Kansas $224,462 $394 0.71% 8.18% 51.60% $88 $1,148 1.19% 13.38% 56.57% $89 First Heritage Bank $225,484 $1,028 1.75% 19.65% 51.25% $92 $1,421 1.41% 15.03% 58.89% $95 The Farmers State Bank $225,907 $681 1.18% 9.03% 57.26% $73 $788 0.79% 5.59% 58.22% $67 The Kaw Valley State Bank and Trust $227,174 $1,085 1.91% 17.21% 44.41% $47 $1,384 1.40% 11.62% 56.35% $63 FNB Bank $233,025 $966 1.65% 14.17% 64.11% $89 $1,309 1.32% 9.75% 68.38% $87 Citizens State Bank and Trust Co., Ellsworth, Kansas $234,224 $780 1.29% 14.84% 60.02% $69 $1,267 1.18% 12.13% 64.62% $66 Goppert State Service Bank $244,143 $699 1.15% 12.80% 61.12% $65 $865 0.87% 8.38% 68.93% $62 Plains State Bank $246,226 $709 1.12% 10.63% 66.76% $85 $116 0.10% 0.96% 77.87% $87

State Average of Asset Group A $106,600 $319 1.14% 10.15% 65.60% $77 $540 1.06% 8.93% 67.63% $76

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Performance Page 8 of 73 Performance Analysis June 30, 2021 Run Date: August 13, 2021

As of Date Quarter to Date Year to Date

Asset Group B - $251 to $500 million in total assets

Peoples State Bank $251,208 $457 0.72% 6.81% 71.83% $73 ($1,567) (1.18%) (11.11%) 105.37% $64 Kearny County Bank $253,199 $1,358 2.16% 13.66% 50.23% $80 $2,266 2.00% 12.13% 51.43% $88 The Citizens State Bank $255,885 $428 0.67% 7.63% 72.53% $74 $1,163 1.07% 11.17% 64.67% $69 Great American Bank $256,095 $1,299 2.10% 15.92% 53.55% $86 $2,534 2.32% 17.05% 53.38% $82 First National Bank and Trust $258,589 $935 1.44% 9.35% 66.00% $84 $1,594 1.36% 8.99% 65.41% $76 Community First Bank $261,779 $1,135 1.75% 16.14% 41.69% $120 $2,171 2.08% 20.45% 47.73% $111 First Kansas Bank $267,000 $753 1.12% 13.04% 54.06% $65 $1,212 1.25% 12.77% 53.35% $59 Grant County Bank $269,536 $944 1.39% 10.84% 66.77% $75 $1,983 1.58% 11.12% 61.49% $70 KANZA Bank $280,718 $594 0.84% 9.24% 72.56% $66 $653 0.54% 5.29% 74.28% $81 Farmers & Merchants Bank of Colby $296,821 $1,369 1.86% 13.46% 36.69% $99 $2,469 1.94% 13.91% 30.31% $79 Solutions North Bank $304,345 $908 1.20% 10.00% 49.82% $69 $2,305 1.79% 14.43% 56.92% $68 Mid-America Bank $310,839 $1,548 2.02% 21.17% 44.71% $76 $1,693 1.31% 14.56% 58.72% $77 Cornerstone Bank $315,274 $1,236 1.63% 19.26% 38.26% $113 $1,372 1.10% 11.89% 47.89% $113 Centera Bank $323,874 $1,165 1.40% 15.96% 56.93% $91 $1,533 1.07% 10.61% 66.54% $84 Bank of Hays $326,995 $1,246 1.54% 16.54% 43.52% $109 $1,431 1.03% 10.10% 57.01% $96 Kaw Valley Bank $329,644 $913 1.12% 10.26% 64.30% $65 $1,767 1.12% 9.96% 55.10% $66 Community First National Bank $336,607 $1,256 1.50% 15.27% 68.71% $137 $1,561 1.00% 10.86% 69.77% $120 ESB Financial $338,883 $460 0.55% 6.80% 80.18% $83 $1,549 1.17% 11.92% 69.17% $82 Guaranty State Bank and Trust Company $340,847 $1,004 1.16% 9.62% 60.47% $84 $1,623 1.07% 8.20% 63.96% $83 Security State Bank $343,372 $1,331 1.71% 10.59% 45.37% $111 $1,597 1.02% 6.84% 43.60% $95 The Union State Bank of Everest $374,212 $2,031 2.13% 20.86% 52.98% $76 $2,044 1.27% 11.28% 60.93% $72 Bank of the Flint Hills $382,178 $1,882 2.00% 22.28% 41.88% $34 $1,721 1.06% 10.84% 63.83% $76 Astra Bank $382,503 $921 0.95% 11.62% 73.12% $81 $2,277 1.42% 14.01% 63.16% $79 The Citizens State Bank $382,717 $2,021 2.05% 21.09% 38.84% $94 $3,648 2.00% 19.06% 37.62% $88 Silver Lake Bank $393,294 $1,304 1.34% 13.97% 49.03% $79 $2,232 1.35% 12.79% 48.41% $81 Bank of Commerce $395,578 $1,574 1.59% 17.91% 55.98% $59 $2,361 1.38% 16.59% 56.93% $56 The Bank $397,722 $2,208 2.17% 16.99% 37.05% $79 $2,820 1.54% 11.77% 47.55% $75 First State Bank and Trust $406,657 $700 0.69% 8.63% 78.03% $83 $2,171 1.33% 15.96% 71.28% $83 Commercial Bank $417,097 $1,637 1.58% 18.40% 55.08% $58 $2,170 1.24% 12.83% 62.42% $65 First National Bank of Syracuse $429,547 $1,600 1.46% 13.94% 57.17% $88 $1,876 0.94% 8.99% 49.85% $91 The Bank of Tescott $433,822 $1,991 1.83% 13.29% 49.83% $92 $2,816 1.39% 9.78% 53.78% $79 The Denison State Bank $435,202 $2,651 2.42% 18.05% 42.97% $70 $3,244 1.73% 11.99% 50.79% $69 The First State Bank $482,090 $2,082 1.75% 14.19% 51.83% $100 $2,687 1.18% 9.96% 58.89% $99 The Citizens State Bank $494,730 $1,114 0.89% 7.65% 67.57% $88 $2,208 0.98% 8.06% 60.75% $74 Labette Bank $498,453 $1,159 0.93% 9.51% 69.92% $82 $1,868 0.88% 7.37% 68.39% $76

State Average of Asset Group B $349,352 $1,292 1.48% 13.71% 55.98% $84 $1,916 1.27% 11.21% 58.59% $81

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Performance Page 9 of 73 Performance Analysis June 30, 2021 Run Date: August 13, 2021

As of Date Quarter to Date Year to Date

Asset Group C - $501 million to $1 billion in total assets

Citizens Bank of Kansas $502,840 $1,134 0.92% 7.87% 70.56% $78 $1,676 0.82% 6.23% 75.95% $78 The Peoples Bank $512,474 $2,431 1.92% 16.98% 51.44% $90 $3,107 1.39% 11.96% 56.00% $83 Southwest National Bank $526,675 $1,110 0.83% 9.25% 65.86% $75 $3,125 1.32% 14.17% 61.26% $71 Exchange Bank & Trust $537,858 $1,898 1.40% 14.09% 50.88% $70 $3,697 1.64% 15.25% 49.50% $64 First Option Bank $554,544 $2,216 1.61% 18.99% 57.74% $79 $2,861 1.28% 14.87% 65.45% $74 Union State Bank $567,510 $1,218 0.86% 7.21% 70.57% $81 $2,157 0.87% 7.37% 74.64% $82 Community National Bank $570,284 $2,489 1.75% 20.51% 50.25% $93 $5,013 2.03% 21.61% 46.07% $85 First Bank Kansas $574,156 $2,776 1.94% 22.91% 58.47% $78 $4,770 2.08% 21.37% 60.45% $71 Western State Bank $580,278 $2,989 2.09% 18.19% 48.69% $67 $5,587 2.26% 18.15% 48.00% $66 Legacy Bank $588,628 $737 0.50% 5.07% 72.62% $90 $2,399 0.96% 8.84% 59.32% $76 United Bank & Trust $737,712 $2,236 1.20% 10.35% 51.66% $81 $3,169 0.93% 7.81% 54.18% $75 American State Bank & Trust Company $786,135 $1,385 0.69% 5.75% 70.21% $80 $2,734 0.80% 5.82% 66.99% $79 Bank of Labor $866,436 $958 0.48% 7.39% 85.51% $101 ($1,944) (0.61%) (7.86%) 89.18% $99 The First National Bank of Hutchinson $885,019 $3,520 1.57% 13.86% 62.98% $92 $3,514 0.87% 7.11% 64.91% $82 GNBank, National Association $928,783 $5,164 2.24% 20.63% 43.67% $84 $4,680 1.20% 10.28% 61.28% $83 The Bennington State Bank $931,319 $4,050 1.79% 16.68% 40.90% $72 $7,657 1.99% 17.25% 40.76% $79 Peoples Bank and Trust Company $980,079 $4,324 1.77% 15.86% 47.78% $71 $4,608 1.36% 11.57% 55.78% $70

State Average of Asset Group C $684,161 $2,390 1.39% 13.62% 58.81% $81 $3,459 1.25% 11.28% 60.57% $78

Asset Group D - Over $1 billion in total assets

Farmers Bank & Trust $1,064,559 $2,298 0.87% 4.65% 70.14% $111 $10,742 2.42% 12.35% 38.84% $85 NBKC Bank $1,110,604 $10,963 4.04% 24.61% 75.52% $197 $73,844 16.46% 113.95% 51.77% $271 CoreFirst Bank & Trust $1,179,081 $4,647 1.60% 19.78% 71.91% $80 $5,409 1.08% 11.62% 70.37% $75 Central National Bank $1,215,308 $3,868 1.25% 11.95% 60.60% $89 $7,541 1.45% 13.19% 64.20% $83 Armed Forces Bank, National Association $1,225,231 $3,480 1.16% 7.53% 74.44% $80 $4,018 0.74% 4.25% 77.66% $73 Landmark National Bank $1,246,764 $4,987 1.60% 13.47% 55.65% $73 $8,837 1.70% 13.53% 57.01% $71 Bank of Blue Valley $1,419,346 $5,207 1.47% 10.28% 55.58% $101 $6,947 1.08% 7.24% 53.71% $97 Community National Bank & Trust $1,806,902 $4,688 1.03% 11.60% 66.86% $61 $5,259 0.75% 8.03% 73.63% $60 Emprise Bank $2,345,821 $6,501 1.14% 13.30% 66.36% $75 $10,283 1.08% 12.50% 62.53% $74 KS StateBank $2,389,806 $11,831 1.97% 18.80% 47.78% $127 $19,911 1.81% 19.25% 45.09% $121 Fidelity Bank, National Association $2,734,148 $6,156 0.90% 10.03% 80.92% $91 $7,348 0.58% 6.14% 85.83% $92 Security Bank of Kansas City $3,632,384 $8,424 0.92% 6.47% 56.68% $73 $17,205 1.09% 6.54% 53.64% $72 Equity Bank $4,267,417 $17,117 1.63% 14.91% 52.98% $85 $4,930 0.25% 1.96% 60.02% $87 CrossFirst Bank $5,309,379 $16,774 1.19% 11.25% 48.69% $167 ($3,230) (0.12%) (1.16%) 52.88% $148 INTRUST Bank, National Association $7,272,682 $16,472 0.91% 13.28% 59.54% $96 $29,753 0.95% 13.64% 64.05% $94

State Average of Asset Group D $2,547,962 $8,228 1.45% 12.79% 62.91% $100 $13,920 2.09% 16.20% 60.75% $100

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Performance Page 10 of 73 Balance Sheet & Net Interest Margin Balance Sheet & Net Interest Margin June 30, 2021 Run Date: August 13, 2021

Summary Trends of Historical Asset Group Averages: Yield on Earning Assets & Net Interest Margin (FTE)

Asset Group A ‐ $0 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets Year‐to‐Date Year‐to‐Date 5.00% 5.00%

4.50% 4.50%

4.00% 4.00%

3.50% 3.50%

3.00% 3.00%

2.50% 2.50%

2.00% 2.00%

1.50% 1.50%

1.00% 1.00%

0.50% 0.50%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Yield on Earning Assets 4.49% 4.54% 4.55% 4.37% 4.31% 4.15% 4.04% 4.36% 4.29% Yield on Earning Assets 4.63% 4.67% 4.67% 4.49% 4.48% 4.33% 4.23% 4.48% 4.59% Net Interest Margin (FTE) 3.79% 3.82% 3.83% 3.72% 3.73% 3.63% 3.55% 3.72% 3.73% Net Interest Margin (FTE) 3.86% 3.88% 3.88% 3.72% 3.79% 3.70% 3.62% 3.64% 3.85%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ Over $1 billion in Total Assets Year‐to‐Date Year‐to‐Date 5.00% 5.00%

4.50% 4.50%

4.00% 4.00%

3.50% 3.50%

3.00% 3.00%

2.50% 2.50%

2.00% 2.00%

1.50% 1.50%

1.00% 1.00%

0.50% 0.50%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Yield on Earning Assets 4.37% 4.43% 4.41% 4.23% 4.31% 4.14% 3.97% 4.31% 4.27% Yield on Earning Assets 4.47% 4.47% 4.56% 4.31% 4.03% 3.91% 3.85% 4.28% 4.00% Net Interest Margin (FTE) 3.60% 3.64% 3.65% 3.57% 3.72% 3.60% 3.51% 3.70% 3.76% Net Interest Margin (FTE) 3.44% 3.48% 3.59% 3.50% 3.45% 3.40% 3.40% 3.54% 3.37%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-BS & NIM Graph Page 12 of 73 Balance Sheet & Net Interest Margin June 30, 2021 Run Date: August 13, 2021

Summary Trends of Historical Asset Group Averages: Asset Growth Rate & Deposit Growth Rate

Asset Group A ‐ $0 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets Year‐to‐Date Year‐to‐Date 25.00% 30.00%

25.00% 20.00%

20.00% 15.00%

15.00%

10.00% 10.00%

5.00% 5.00%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Asset Growth Rate 3.15% 1.39% 3.51% 3.63% 20.70% 13.09% 13.66% 3.65% 20.87% Asset Growth Rate 6.13% 3.92% 6.11% 19.84% 28.41% 19.37% 17.38% 15.48% 26.51% Deposit Growth Rate 2.24% 0.47% 3.48% 4.01% 20.26% 12.23% 14.65% 4.17% 20.31% Deposit Growth Rate 3.00% 1.91% 5.38% 18.62% 26.07% 17.75% 17.89% 13.67% 24.25%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ Over $1 billion in Total Assets Year‐to‐Date Year‐to‐Date 35.00% 35.00%

30.00% 30.00%

25.00% 25.00%

20.00% 20.00%

15.00% 15.00%

10.00% 10.00%

5.00% 5.00%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Asset Growth Rate 5.33% 6.08% 7.27% 3.11% 32.69% 22.83% 19.01% 15.29% 31.99% Asset Growth Rate 29.11% 20.12% 18.67% 8.42% 25.55% 18.17% 15.08% 6.22% 27.80% Deposit Growth Rate 3.48% 5.23% 7.25% 0.99% 32.42% 21.60% 20.31% 12.02% 30.95% Deposit Growth Rate 26.64% 19.58% 17.89% 9.16% 24.45% 19.53% 18.11% 7.77% 28.80%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-BS & NIM Graph Page 13 of 73 Balance Sheet & Net Interest Margin June 30, 2021 Run Date: August 13, 2021

As of Date Year to Date

Total Total Lns & Leases Total Deposits Loans/Deposits Liquidity Ratio Assets/Employees Yield on Earning Cost of Interest Cost of Funds Net Interest Asset Growth Deposit Growth Total Assets ($000) ($000) ($000) (%) (%) ($000) Assets (%) Bearing Liab (%) (%) Margin (FTE) (%) Rate (%) Rate (%) Institution Name

Asset Group A - $0 to $250 million in total assets

The Walton State Bank $11,668 $5,330 $10,727 49.69% 49.00% $3,889 3.42% 0.58% 0.44% 2.99% 20.07% 21.52% State Bank of Burrton $12,541 $5,179 $11,331 45.71% 31.09% $4,180 4.50% 0.53% 0.38% 4.15% 30.66% 39.05% Prescott State Bank $15,058 $8,015 $11,783 68.02% 51.74% $3,012 4.45% 0.87% 0.73% 3.81% 8.97% 11.76% First National Bank of Harveyville $17,009 $10,050 $14,751 68.13% 41.28% $5,670 4.70% 1.13% 0.93% 3.82% 28.27% 26.47% Peoples State Bank $17,211 $12,918 $12,428 103.94% 28.23% $3,442 7.14% 0.91% 0.57% 6.71% 2.87% (6.04%) Farmers State Bank $17,248 $6,799 $15,281 44.49% 63.75% $3,450 4.15% 0.92% 0.77% 3.42% 0.66% 0.10% Dickinson County Bank $17,271 $11,001 $15,314 71.84% 40.09% $3,454 4.99% 1.51% 1.24% 3.79% 5.28% 5.85% Bison State Bank $18,200 $8,788 $16,438 53.46% 54.03% $2,275 4.85% 0.74% 0.40% 4.48% 27.56% 30.18% The Alden State Bank $21,334 $10,288 $18,899 54.44% 41.38% $3,556 3.65% 0.89% 0.73% 2.99% 15.68% 17.33% Emerald Bank $21,616 $11,075 $19,384 57.13% 48.03% $2,702 4.62% 0.81% 0.57% 4.12% 21.86% 23.93% The Bank of Denton $22,473 $11,150 $18,897 59.00% 44.93% $7,491 3.80% 0.71% 0.61% 3.37% (1.27%) 2.81% Hillsboro State Bank $22,986 $6,917 $20,956 33.01% 72.92% $5,747 3.50% 0.48% 0.40% 3.15% 51.35% 55.93% Farmers State Bank $24,127 $11,084 $21,962 50.47% 52.88% $4,825 4.50% 0.67% 0.53% 3.96% (13.56%) 9.30% The Marion National Bank $25,986 $7,583 $21,389 35.45% 63.75% $5,197 3.03% 0.31% 0.24% 3.02% (14.52%) (18.84%) The Baxter State Bank $27,109 $12,515 $20,490 61.08% 52.15% $3,873 5.12% 0.29% 0.18% 4.99% 9.31% 13.64% Marquette Farmers State Bank of Marquette Kansas $31,581 $14,006 $26,316 53.22% 61.82% $5,264 4.13% 0.96% 0.80% 3.56% 7.33% 5.34% State Bank of Canton $34,058 $10,324 $27,354 37.74% 82.68% $6,812 3.10% 0.38% 0.25% 2.91% 19.89% 23.17% Gorham State Bank $36,317 $21,591 $32,253 66.94% 42.15% $5,188 4.11% 0.44% 0.30% 3.84% 16.88% 17.91% Union State Bank $37,173 $11,764 $32,669 36.01% 65.82% $4,647 3.46% 1.23% 0.95% 2.61% 11.91% 12.06% Piqua State Bank $38,664 $10,878 $35,046 31.04% 76.13% $3,222 4.50% 0.56% 0.30% 4.39% 21.96% 24.18% Farmers State Bank $39,283 $22,574 $31,433 71.82% 38.12% $4,910 4.25% 1.18% 1.00% 3.50% (0.07%) 3.15% Cottonwood Valley Bank $40,935 $11,429 $34,923 32.73% 66.35% $8,187 2.87% 0.63% 0.44% 2.66% 19.86% 20.23% Ninnescah Valley Bank $40,951 $12,092 $35,973 33.61% 66.52% $5,850 4.20% 0.62% 0.36% 4.03% 15.57% 13.11% The State Exchange Bank $42,297 $15,084 $36,850 40.93% 42.82% $7,050 3.91% 1.05% 0.76% 3.37% (1.33%) (7.91%) The Haviland State Bank $43,216 $21,897 $33,980 64.44% 35.00% $6,174 4.93% 0.88% 0.62% 4.45% 4.12% 11.75% Bank of Greeley $43,940 $23,436 $37,596 62.34% 47.05% $7,323 3.85% 0.94% 0.71% 3.23% 7.19% 7.38% Farmers and Merchants Bank of Mound City, Kansas $46,647 $30,110 $43,203 69.69% 25.73% $6,664 5.20% 1.17% 0.89% 4.41% 23.52% 25.58% Olpe State Bank $48,021 $22,941 $38,912 58.96% 46.57% $4,366 3.82% 1.12% 0.93% 3.08% 25.49% 16.15% First National Bank of Spearville $48,415 $23,250 $41,238 56.38% 51.91% $8,069 3.67% 0.80% 0.58% 3.17% 4.41% 6.93% Swedish-American State Bank $49,208 $31,225 $43,384 71.97% 32.72% $5,468 5.01% 0.93% 0.72% 4.40% 32.14% 40.84% The First State Bank of Ransom $49,269 $14,763 $38,443 38.40% 69.92% $7,038 3.28% 0.71% 0.57% 2.96% 32.53% 39.32% Ford County State Bank $49,744 $16,392 $43,956 37.29% 59.05% $6,218 4.01% 0.56% 0.45% 3.60% 18.50% 19.57% Bank of Palmer $51,875 $21,524 $45,858 46.94% 62.94% $6,484 3.66% 0.91% 0.78% 3.10% 15.35% 13.97% The City State Bank $53,102 $29,920 $48,852 61.25% 42.32% $5,900 4.27% 0.66% 0.49% 3.90% 33.79% 37.04% KansasLand Bank $54,239 $23,432 $47,441 49.39% 46.17% $4,172 4.24% 1.20% 1.02% 3.29% 3.56% 3.17% Peoples Bank $54,536 $25,021 $44,810 55.84% 34.41% $4,195 4.35% 1.14% 0.99% 3.57% 14.83% 21.06% The Farmers State Bank of Blue Mound $54,982 $31,933 $45,831 69.68% 39.99% $2,894 5.36% 0.89% 0.61% 4.84% 13.16% 14.51% Security State Bank $55,546 $19,663 $47,368 41.51% 59.40% $3,703 3.54% 0.35% 0.28% 3.38% 6.57% 5.53% The Farmers State Bank of Bucklin, Kansas $56,276 $22,456 $50,338 44.61% 56.59% $7,035 3.71% 0.68% 0.44% 3.40% 19.24% 20.17% First National Bank in Frankfort $57,357 $21,602 $48,943 44.14% 57.77% $7,170 3.82% 1.12% 0.85% 3.07% 9.26% 8.28%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-BS & NIM Page 14 of 73 Balance Sheet & Net Interest Margin June 30, 2021 Run Date: August 13, 2021

As of Date Year to Date

Asset Group A - $0 to $250 million in total assets (continued)

New Century Bank $59,849 $49,879 $50,710 98.36% 17.00% $3,150 6.70% 2.03% 1.82% 5.07% (3.35%) (4.18%) The First National Bank of Sedan $60,173 $26,867 $53,361 50.35% 44.63% $4,012 3.72% 0.90% 0.67% 3.18% 29.65% 33.82% The State Bank of Spring Hill $60,972 $10,705 $56,153 19.06% 47.21% $6,775 3.23% NA 0.29% 3.03% 36.34% 38.33% Union State Bank $62,382 $38,065 $54,986 69.23% 31.14% $3,899 5.52% 0.69% 0.49% 5.10% 18.65% 18.00% Howard State Bank $63,927 $28,089 $56,725 49.52% 35.81% $3,552 3.95% 0.40% 0.33% 3.69% 7.09% 5.58% Stock Exchange Bank $67,853 $46,905 $61,635 76.10% 27.32% $4,847 4.94% 0.97% 0.80% 4.21% 29.12% 31.33% The First National Bank of Dighton $68,151 $35,434 $55,967 63.31% 43.49% $6,196 3.29% 0.31% 0.20% 3.17% 18.95% 22.35% Tampa State Bank $69,204 $34,966 $55,798 62.67% 34.08% $5,323 4.10% 1.11% 0.87% 3.44% 16.26% 20.24% The Bank of Holyrood $69,430 $43,561 $59,262 73.51% 37.54% $7,714 4.77% 1.46% 1.22% 3.72% 8.83% 9.37% The Farmers State Bank $70,289 $37,692 $60,319 62.49% 30.11% $5,407 4.69% 0.86% 0.75% 4.04% 19.02% 20.26% The Citizens State Bank and Trust Company $71,488 $49,864 $63,925 78.00% 23.13% $3,972 6.29% 1.24% 1.06% 5.27% 36.78% 25.12% Farmers State Bank $71,881 $29,952 $60,435 49.56% 57.14% $5,990 3.85% 0.63% 0.48% 3.60% 10.18% 8.85% Kaw Valley State Bank $72,922 $22,556 $66,588 33.87% 45.32% $6,629 3.85% 0.45% 0.34% 3.72% 28.97% 30.25% Fowler State Bank $73,535 $18,161 $66,570 27.28% 69.48% $4,902 3.17% 1.18% 0.93% 2.36% 13.27% 14.10% The First State Bank $75,126 $23,157 $61,727 37.52% 47.42% $7,513 3.35% 0.54% 0.42% 3.26% 8.80% 7.98% The First Security Bank $75,307 $57,000 $65,169 87.46% 17.67% $3,274 4.85% 0.84% 0.67% 4.20% 42.09% 24.82% Small Business Bank $77,271 $57,603 $65,373 88.11% 21.31% $3,512 4.78% 1.42% 0.48% 4.40% 42.74% 50.52% The Bank of Protection $79,207 $44,663 $63,820 69.98% 25.14% $5,658 4.98% 1.09% 0.88% 4.27% 21.42% 32.84% The Citizens State Bank of Cheney, Kansas $80,125 $37,664 $72,419 52.01% 41.82% $5,723 4.28% 0.81% 0.49% 3.80% 39.96% 43.63% FNB Washington $80,536 $34,290 $53,989 63.51% 29.81% $7,321 3.33% 0.51% 0.41% 3.06% 28.60% 30.67% Kansas State Bank $83,426 $37,454 $65,848 56.88% 52.25% $6,417 4.37% 1.21% 0.99% 3.61% 15.36% 16.57% Heritage Bank $83,962 $56,590 $76,183 74.28% 29.31% $5,997 4.69% 1.36% 1.18% 3.60% 34.24% 28.09% Exchange State Bank $84,326 $43,937 $71,995 61.03% 44.77% $5,270 4.46% 0.97% 0.85% 3.72% 19.48% 23.06% The First State Bank of Healy $84,586 $43,405 $61,732 70.31% 32.60% $9,398 4.16% 0.96% 0.85% 3.57% (12.87%) (19.86%) Bendena State Bank $88,032 $55,012 $80,469 68.36% 25.23% $6,772 4.33% 0.85% 0.58% 3.87% 14.88% 11.56% The Lyndon State Bank $88,615 $64,749 $72,649 89.13% 17.35% $4,028 5.14% 1.12% 0.91% 4.32% 19.09% 12.63% The First National Bank of Hope $90,376 $47,772 $75,616 63.18% 42.20% $4,519 3.88% 1.22% 0.86% 3.15% 23.98% 28.61% The University National Bank of Lawrence $91,897 $57,286 $83,681 68.46% 32.74% $6,126 5.04% 0.63% 0.49% 4.58% 22.00% 23.82% Johnson State Bank $92,420 $30,021 $74,351 40.38% 39.57% $5,436 3.21% 0.74% 0.55% 2.85% 7.46% 6.77% Kendall Bank $92,925 $65,870 $80,847 81.47% 28.22% $1,977 4.74% 0.68% 0.45% 4.31% 29.16% 29.03% First Federal Savings and Loan Bank $94,996 $76,736 $77,190 99.41% 21.83% $18,999 5.86% 2.34% 2.25% 3.86% 0.13% (1.07%) First Bank of Beloit $96,459 $50,176 $84,592 59.32% 26.28% $6,890 4.44% 0.44% 0.31% 4.19% 6.33% 6.46% The Baldwin State Bank $97,507 $48,949 $87,103 56.20% 43.21% $6,500 3.65% 0.81% 0.60% 3.11% 24.51% 25.89% The Stockgrowers State Bank $98,097 $54,257 $73,505 73.81% 25.11% $5,163 4.54% 1.04% 0.91% 3.95% (0.74%) (0.91%) The Bank of Commerce and Trust Company $98,107 $44,231 $87,872 50.34% 35.76% $4,905 4.57% 0.98% 0.84% 3.85% 20.52% 24.97% First National Bank of Kansas $99,319 $24,299 $80,909 30.03% 41.57% $6,621 3.13% 0.85% 0.69% 2.50% 11.26% 4.33% CBW Bank $100,639 $56,481 $70,263 80.39% 51.25% $3,727 4.10% 0.25% 0.05% 4.06% 75.81% (25.43%) Community Bank of Wichita, Inc. $102,352 $75,596 $93,354 80.98% 23.79% $4,450 5.15% 1.29% 0.90% 4.30% 31.73% 36.75% First National Bank in Fredonia $103,465 $36,668 $86,294 42.49% 55.91% $6,086 3.71% 0.75% 0.60% 3.21% 13.06% 12.92%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-BS & NIM Page 15 of 73 Balance Sheet & Net Interest Margin June 30, 2021 Run Date: August 13, 2021

As of Date Year to Date

Asset Group A - $0 to $250 million in total assets (continued)

Conway Bank $106,002 $70,009 $86,258 81.16% 29.64% $3,533 4.47% 1.14% 0.95% 3.57% 14.85% 12.94% The Elk State Bank $109,220 $56,082 $88,482 63.38% 31.57% $6,826 4.23% 1.17% 0.97% 3.48% 7.98% 10.15% State Bank of Bern $110,710 $45,634 $92,302 49.44% 63.48% $8,516 4.52% 1.26% 0.96% 3.79% 5.37% 3.16% Citizens State Bank and Trust Company $112,702 $44,764 $85,809 52.17% 42.47% $4,508 3.89% 0.26% 0.21% 3.71% 38.98% 14.33% Wilson State Bank $113,887 $73,454 $100,229 73.29% 32.75% $4,745 4.47% 0.83% 0.66% 3.91% 37.96% 33.13% The Riley State Bank of Riley Kansas $116,328 $62,903 $101,985 61.68% 27.00% $5,539 4.21% 1.43% 1.19% 3.19% 22.88% 25.57% TriCentury Bank $120,423 $105,004 $71,926 145.99% 9.59% $9,263 4.46% 1.60% 1.47% 3.13% 40.60% 72.84% State Bank of Downs $120,715 $85,256 $105,055 81.15% 29.35% $7,545 4.55% 1.29% 0.98% 3.70% 17.18% 17.11% Farmers Bank & Trust $125,404 $59,788 $112,998 52.91% 30.00% $5,452 3.57% 0.47% 0.37% 3.28% 8.33% 6.18% First National Bank in Cimarron $127,574 $51,042 $115,497 44.19% 36.62% $7,087 4.40% 0.50% 0.33% 4.16% 12.91% 11.38% Bank of Prairie Village $129,039 $86,729 $109,672 79.08% 25.10% $9,217 4.28% 1.00% 0.66% 3.80% 52.40% 46.30% First Commerce Bank $130,244 $82,819 $117,531 70.47% 35.10% $8,140 4.56% 0.58% 0.47% 4.15% 23.94% 28.10% Heartland Tri-State Bank $132,553 $67,718 $117,011 57.87% 29.18% $5,098 4.16% 0.95% 0.75% 3.55% 15.35% 14.70% Prairie Bank of Kansas $133,779 $63,032 $120,208 52.44% 31.41% $6,370 4.03% 0.88% 0.72% 3.43% 36.51% 39.88% American Bank of Baxter Springs $137,844 $55,523 $123,472 44.97% 33.76% $4,923 2.94% 0.50% 0.37% 2.66% 14.84% 14.06% Community Bank $138,328 $102,754 $113,811 90.28% 16.46% $6,014 5.41% 0.67% 0.45% 4.99% 56.75% 45.06% Bankwest of Kansas $139,853 $78,546 $124,053 63.32% 46.93% $4,511 5.20% 0.59% 0.46% 4.88% 39.86% 43.69% Garden Plain State Bank $141,097 $50,406 $123,015 40.98% 65.34% $6,719 3.52% 0.69% 0.52% 3.14% 33.94% 37.52% Citizens State Bank $141,279 $71,623 $123,784 57.86% 24.29% $4,709 4.20% 0.77% 0.61% 3.70% 3.39% 4.03% Alliance Bank $142,621 $91,594 $128,576 71.24% 37.61% $6,791 4.79% 1.24% 0.80% 4.03% 31.14% 33.96% First Bank $146,263 $74,213 $117,478 63.17% 31.35% $4,718 4.36% 0.93% 0.72% 3.86% 20.08% 4.30% The Farmers State Bank $146,509 $68,656 $124,378 55.20% 51.59% $6,977 4.53% 0.76% 0.61% 4.12% 21.24% 20.35% Andover State Bank $147,896 $124,594 $123,829 100.62% 11.62% $5,688 4.46% 0.96% 0.78% 3.75% 26.05% 22.20% The First National Bank of Scott City $148,990 $74,616 $125,467 59.47% 42.89% $5,518 3.99% 0.70% 0.51% 3.57% 7.39% 7.46% Home Bank and Trust Company $150,826 $99,014 $140,364 70.54% 28.48% $4,865 4.47% 1.20% 0.91% 3.59% 20.71% 21.55% Stockgrowers State Bank $152,294 $78,596 $127,032 61.87% 24.66% $5,857 4.20% 1.10% 0.92% 3.48% (0.24%) (1.32%) The Halstead Bank $154,219 $98,387 $140,038 70.26% 19.88% $5,932 4.80% 0.81% 0.55% 4.22% 48.65% 54.27% The Community Bank $154,944 $84,135 $137,659 61.12% 34.80% $6,456 4.16% 0.58% 0.41% 3.81% 48.52% 54.12% Southwind Bank $155,199 $67,574 $134,784 50.14% 41.76% $8,168 3.98% 0.65% 0.45% 3.71% 12.44% 10.98% Flint Hills Bank $155,685 $66,419 $134,133 49.52% 39.97% $7,414 3.72% 0.84% 0.69% 3.13% 22.47% 18.61% Chisholm Trail State Bank $157,380 $103,970 $138,166 75.25% 28.92% $5,829 5.08% 0.60% 0.46% 4.69% 64.78% 46.77% Fidelity State Bank and Trust Company $157,696 $69,226 $136,703 50.64% 48.79% $5,087 3.36% 0.47% 0.29% 3.12% 31.53% 31.60% Impact Bank $159,156 $79,256 $135,457 58.51% 35.74% $6,121 4.11% 0.82% 0.64% 3.57% 7.64% 6.75% Union State Bank $162,050 $81,944 $98,736 82.99% 14.66% $8,103 3.92% 1.04% 0.94% 3.19% 10.78% 22.16% Patriots Bank $164,101 $121,770 $140,695 86.55% 10.25% $4,318 5.09% 1.04% 0.85% 4.34% 26.42% 20.45% Farmers National Bank $164,933 $92,731 $136,707 67.83% 45.06% $5,687 4.27% 0.98% 0.77% 3.63% 10.67% 10.92% Carson Bank $165,199 $93,966 $152,599 61.58% 28.31% $3,755 5.33% 0.65% 0.50% 4.88% 35.86% 36.10% The First National Bank of Louisburg $166,390 $70,896 $138,737 51.10% 48.39% $6,933 3.57% 0.46% 0.26% 3.37% 37.34% 41.47% The Farmers State Bank of Aliceville, Kansas $171,675 $112,176 $145,180 77.27% 26.55% $8,175 4.09% 1.14% 1.02% 3.23% 15.23% 15.98% The Lyon County State Bank $176,247 $74,007 $159,093 46.52% 54.31% $5,508 3.69% 0.31% 0.23% 3.60% 21.95% 23.16% The Farmers State Bank of Oakley, Kansas $177,881 $128,090 $127,179 100.72% 9.15% $13,683 5.09% 1.19% 1.11% 4.31% 21.86% 13.77%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-BS & NIM Page 16 of 73 Balance Sheet & Net Interest Margin June 30, 2021 Run Date: August 13, 2021

As of Date Year to Date

Asset Group A - $0 to $250 million in total assets (continued)

Valley State Bank $179,687 $99,755 $151,160 65.99% 33.64% $5,445 4.72% 1.09% 0.70% 4.06% 29.33% 34.42% Kansas State Bank $180,966 $71,447 $163,472 43.71% 17.88% $5,484 3.82% 0.50% 0.41% 3.47% 7.08% 7.90% Vintage Bank Kansas $181,790 $94,300 $145,551 64.79% 34.89% $3,868 4.56% 0.92% 0.68% 3.99% 30.12% 30.86% Bankers' Bank of Kansas $183,316 $127,069 $121,211 104.83% 32.09% $3,985 4.84% 1.99% 0.90% 3.97% 55.96% 63.36% The Valley State Bank $184,339 $132,659 $153,713 86.30% 17.27% $4,608 4.81% 1.52% 1.24% 3.66% 25.01% 31.00% Community State Bank $189,028 $90,189 $167,969 53.69% 21.16% $9,949 4.60% 0.49% 0.36% 4.30% 39.05% 43.52% Fusion Bank $194,462 $100,038 $149,518 66.91% 36.26% $8,839 3.92% 0.83% 0.66% 3.50% 17.38% 9.44% Solomon State Bank $197,906 $141,882 $162,828 87.14% 27.77% $10,995 4.35% 1.61% 1.51% 3.10% (3.86%) (0.44%) Farmers and Drovers Bank $210,128 $108,525 $138,785 78.20% 31.42% $8,405 3.87% 0.93% 0.78% 3.32% 16.46% 17.82% VisionBank $213,455 $181,070 $180,168 100.50% 8.54% $5,929 5.35% 1.45% 0.95% 4.47% 34.18% 17.36% The Fidelity State Bank and Trust Company $213,745 $27,840 $175,208 15.89% 93.42% $7,125 2.96% 0.51% 0.31% 2.77% 18.81% 20.86% FirstOak Bank $215,877 $154,422 $193,403 79.84% 23.26% $5,020 5.14% 0.55% 0.40% 4.80% 37.46% 34.65% Citizens National Bank $217,397 $80,091 $195,014 41.07% 48.10% $4,437 3.77% 0.69% 0.57% 3.35% 26.73% 14.11% Freedom Bank $218,765 $135,996 $166,045 81.90% 27.50% $8,414 4.32% 1.28% 0.90% 3.52% 17.47% 42.20% SJN Bank of Kansas $224,462 $107,021 $198,665 53.87% 19.27% $6,802 4.36% 0.61% 0.48% 4.00% 31.29% 15.51% First Heritage Bank $225,484 $117,927 $201,582 58.50% 38.06% $6,442 4.30% 1.20% 0.80% 3.52% 42.33% 46.40% The Farmers State Bank $225,907 $139,072 $194,671 71.44% 30.54% $6,275 4.16% 1.34% 1.09% 3.27% 27.98% 30.66%

The Kaw Valley State Bank and Trust Company, of Wamego, Kansas $227,174 $111,349 $199,988 55.68% 46.43% $5,163 4.09% 1.16% 0.88% 3.34% 19.67% 20.62% FNB Bank $233,025 $148,322 $195,554 75.85% 21.45% $4,569 4.58% 0.53% 0.35% 4.22% 15.17% 12.99% Citizens State Bank and Trust Co., Ellsworth, Kansas $234,224 $125,016 $176,307 70.91% 19.74% $4,684 3.88% 0.92% 0.75% 3.17% 12.91% 9.09% Goppert State Service Bank $244,143 $169,388 $212,745 79.62% 17.31% $4,521 4.34% 0.92% 0.75% 3.65% 19.57% 22.33% Plains State Bank $246,226 $165,192 $211,488 78.11% 20.98% $5,130 4.27% 1.23% 1.00% 3.42% 39.15% 20.26%

State Average of Asset Group A $106,600 $58,043 $89,884 62.26% 38.47% $5,830 4.29% 0.89% 0.68% 3.73% 20.87% 20.31%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-BS & NIM Page 17 of 73 Balance Sheet & Net Interest Margin June 30, 2021 Run Date: August 13, 2021

As of Date Year to Date

Asset Group B - $251 to $500 million in total assets

Peoples State Bank $251,208 $186,581 $208,610 89.44% 19.24% $4,118 5.14% 1.76% 1.45% 3.72% 10.20% 7.36% Kearny County Bank $253,199 $154,813 $203,301 76.15% 29.96% $5,627 4.73% 0.95% 0.66% 4.18% 19.90% 21.59% The Citizens State Bank $255,885 $129,421 $231,335 55.95% 34.18% $4,739 4.17% 0.61% 0.43% 3.76% 19.28% 15.69% Great American Bank $256,095 $218,662 $197,828 110.53% 10.98% $5,956 6.05% 1.43% 1.25% 4.97% 17.18% 20.63% First National Bank and Trust $258,589 $148,609 $217,561 68.31% 27.95% $4,458 4.97% 1.06% 0.82% 4.32% 22.79% 20.21% Community First Bank $261,779 $188,919 $217,995 86.66% 22.55% $8,726 6.49% 1.63% 1.28% 5.34% 18.66% 23.33% First Kansas Bank $267,000 $96,717 $239,387 40.40% 29.72% $7,853 3.18% 0.32% 0.30% 3.04% 11.71% 3.27% Grant County Bank $269,536 $163,849 $228,447 71.72% 23.16% $4,991 4.14% 0.88% 0.76% 3.51% 20.65% 2.11% KANZA Bank $280,718 $165,057 $242,748 68.00% 24.96% $5,198 4.32% 0.74% 0.58% 3.80% 23.93% 10.89% Farmers & Merchants Bank of Colby $296,821 $210,083 $209,076 100.48% 14.97% $12,368 4.78% 1.33% 1.22% 3.88% 2.97% (10.56%) Solutions North Bank $304,345 $191,377 $251,705 76.03% 18.78% $6,087 4.85% 1.18% 1.07% 3.94% 15.07% 13.34% Mid-America Bank $310,839 $221,617 $245,464 90.28% 24.76% $5,756 5.20% 1.85% 1.62% 3.66% 19.38% 23.14% Cornerstone Bank $315,274 $277,813 $254,251 109.27% 10.57% $12,611 4.80% 1.44% 1.13% 3.77% 30.23% 13.57% Centera Bank $323,874 $127,391 $292,938 43.49% 34.40% $7,041 3.66% 0.66% 0.50% 3.25% 22.42% 21.63% Bank of Hays $326,995 $182,960 $286,373 63.89% 31.57% $10,548 3.87% 0.88% 0.66% 3.32% 32.06% 24.18% Kaw Valley Bank $329,644 $251,280 $284,515 88.32% 17.36% $4,173 5.62% 1.46% 1.05% 4.65% 18.03% 12.85% Community First National Bank $336,607 $259,073 $296,389 87.41% 23.49% $3,914 4.49% 1.45% 1.15% 3.52% 22.99% 24.73% ESB Financial $338,883 $175,980 $303,973 57.89% 34.99% $6,645 3.85% 0.95% 0.69% 3.22% 44.96% 50.25% Guaranty State Bank and Trust Company $340,847 $211,603 $278,126 76.08% 31.96% $5,777 4.33% 1.09% 0.88% 3.58% 8.88% 6.54% Security State Bank $343,372 $256,301 $228,568 112.13% 15.41% $9,538 4.61% 1.60% 1.40% 3.42% 25.02% 25.20% The Union State Bank of Everest $374,212 $251,898 $333,243 75.59% 13.77% $4,620 4.81% 0.81% 0.54% 4.32% 18.48% 15.46% Bank of the Flint Hills $382,178 $277,140 $327,800 84.55% 17.07% $5,460 5.14% 1.39% 1.13% 4.13% 25.48% 32.04% Astra Bank $382,503 $170,342 $349,213 48.78% 39.17% $5,625 4.52% 0.42% 0.34% 4.31% 36.89% 36.75% The Citizens State Bank $382,717 $275,002 $302,117 91.03% 14.88% $10,072 4.60% 1.40% 1.23% 3.51% 10.45% 12.90% Silver Lake Bank $393,294 $254,957 $308,135 82.74% 25.31% $7,151 5.04% 1.15% 0.94% 4.22% 40.80% 31.58% Bank of Commerce $395,578 $242,055 $354,505 68.28% 16.89% $4,945 4.19% 0.73% 0.53% 3.75% 196.64% 196.41% The Bank $397,722 $208,245 $343,409 60.64% 33.47% $7,649 3.93% 0.79% 0.56% 3.42% 13.41% 14.33% First State Bank and Trust $406,657 $240,347 $366,718 65.54% 28.46% $4,281 4.52% 0.56% 0.42% 4.15% 40.21% 39.79% Commercial Bank $417,097 $174,820 $380,358 45.96% 37.78% $5,214 3.53% 0.68% 0.57% 3.13% 24.59% 24.11% First National Bank of Syracuse $429,547 $304,766 $381,489 79.89% 26.11% $6,508 5.63% 1.17% 0.88% 4.76% 20.93% 25.09% The Bank of Tescott $433,822 $300,211 $367,247 81.75% 24.44% $7,353 4.48% 1.30% 1.18% 3.50% 9.30% 9.23% The Denison State Bank $435,202 $244,240 $336,399 72.60% 18.85% $6,217 4.22% 1.10% 0.91% 3.47% 21.97% 19.02% The First State Bank $482,090 $225,813 $403,057 56.03% 29.18% $6,515 4.29% 0.92% 0.72% 3.73% 17.34% 21.71% The Citizens State Bank $494,730 $216,270 $410,270 52.71% 41.76% $5,320 4.01% 0.66% 0.54% 3.65% 21.68% 20.13% Labette Bank $498,453 $284,587 $423,015 67.28% 27.49% $5,247 4.36% 0.91% 0.71% 3.74% 23.33% 20.24%

State Average of Asset Group B $349,352 $213,966 $294,445 74.45% 25.02% $6,523 4.59% 1.06% 0.86% 3.85% 26.51% 24.25%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-BS & NIM Page 18 of 73 Balance Sheet & Net Interest Margin June 30, 2021 Run Date: August 13, 2021

As of Date Year to Date

Asset Group C - $501 million to $1 billion in total assets

Citizens Bank of Kansas $502,840 $220,324 $427,379 51.55% 30.87% $4,789 4.13% 0.55% 0.41% 3.85% 34.61% 35.33% The Peoples Bank $512,474 $237,198 $447,434 53.01% 33.41% $5,510 4.26% 0.55% 0.27% 4.03% 58.86% 53.17% Southwest National Bank $526,675 $436,620 $466,578 93.58% 14.63% $4,580 5.36% 1.33% 1.12% 4.31% 34.21% 33.75% Exchange Bank & Trust $537,858 $321,246 $470,508 68.28% 30.32% $5,911 4.23% 0.43% 0.52% 3.92% 13.96% 12.64% First Option Bank $554,544 $241,825 $503,868 47.99% 28.47% $5,545 3.85% 0.72% 0.45% 3.50% 16.16% 14.94% Union State Bank $567,510 $309,742 $460,162 67.31% 29.13% $4,978 3.99% 0.72% 0.53% 3.55% 118.54% 116.54% Community National Bank $570,284 $197,683 $475,574 41.57% 51.80% $7,604 3.61% 0.49% 0.44% 3.34% 13.35% 3.30% First Bank Kansas $574,156 $266,530 $522,059 51.05% 42.21% $4,668 4.12% 0.67% 0.54% 3.68% 23.19% 26.11% Western State Bank $580,278 $364,252 $514,040 70.86% 19.41% $5,090 5.25% 0.57% 0.32% 4.90% 10.09% 8.99% Legacy Bank $588,628 $349,395 $480,841 72.66% 30.87% $6,262 4.53% 1.12% 0.86% 3.75% 29.50% 31.22% United Bank & Trust $737,712 $452,253 $575,971 78.52% 24.40% $8,479 4.02% 0.87% 0.84% 3.24% 31.14% 27.98% American State Bank & Trust Company $786,135 $470,973 $659,006 71.47% 25.16% $6,340 4.14% 0.78% 0.54% 3.58% 27.56% 30.63% Bank of Labor $866,436 $276,558 $718,719 38.48% 54.02% $7,405 3.74% 0.46% 0.31% 3.39% 27.76% 23.57% The First National Bank of Hutchinson $885,019 $606,350 $755,235 80.29% 20.43% $5,145 3.84% 0.67% 0.47% 3.49% 26.57% 27.22% GNBank, National Association $928,783 $486,696 $736,794 66.06% 27.37% $5,528 4.82% 0.79% 0.67% 4.15% 25.62% 22.64% The Bennington State Bank $931,319 $560,570 $740,715 75.68% 21.41% $8,029 3.99% 1.08% 0.82% 3.25% 29.86% 29.64% Peoples Bank and Trust Company $980,079 $531,420 $795,248 66.82% 22.08% $5,241 4.73% 1.11% 0.90% 3.99% 22.85% 28.47%

State Average of Asset Group C $684,161 $372,331 $573,537 64.42% 29.76% $5,947 4.27% 0.76% 0.59% 3.76% 31.99% 30.95%

Asset Group D - Over $1 billion in total assets

Farmers Bank & Trust $1,064,559 $432,415 $769,119 56.22% 52.85% $7,497 4.08% 1.08% 1.15% 3.48% 27.87% 37.57% NBKC Bank $1,110,604 $536,146 $886,115 60.51% 50.06% $2,619 3.44% 1.48% 1.29% 2.27% 56.92% 76.59% CoreFirst Bank & Trust $1,179,081 $670,035 $920,782 72.77% 19.35% $4,535 3.95% 0.44% 0.41% 3.54% 26.53% 34.69% Central National Bank $1,215,308 $585,973 $1,055,995 55.49% 28.20% $4,356 3.92% 0.71% 0.52% 3.48% 44.75% 30.04% Armed Forces Bank, National Association $1,225,231 $547,406 $1,034,265 52.93% 54.95% $4,225 3.50% 0.46% 0.32% 3.22% 18.09% 20.87% Landmark National Bank $1,246,764 $693,811 $1,082,878 64.07% 14.94% $4,550 4.03% 0.45% 0.34% 3.82% 24.21% 26.28% Bank of Blue Valley $1,419,346 $731,045 $1,168,617 62.56% 37.70% $18,676 4.43% 0.49% 0.36% 4.15% 9.99% 24.01% Community National Bank & Trust $1,806,902 $1,051,973 $1,542,027 68.22% 25.52% $4,042 4.42% 1.10% 0.79% 3.59% 23.60% 24.54% Emprise Bank $2,345,821 $1,342,835 $2,133,304 62.95% 39.93% $5,835 4.01% 0.72% 0.50% 3.54% 26.83% 27.67% KS StateBank $2,389,806 $1,800,166 $2,026,848 88.82% 25.90% $8,385 4.37% 1.66% 1.59% 3.11% 14.26% 14.28% Fidelity Bank, National Association $2,734,148 $2,160,510 $2,419,077 89.31% 6.37% $5,208 4.34% 1.04% 0.88% 3.48% 26.72% 9.87% Security Bank of Kansas City $3,632,384 $1,718,657 $2,960,738 58.05% 46.47% $7,150 3.41% 0.57% 0.41% 3.09% 23.40% 24.47% Equity Bank $4,267,417 $2,821,244 $3,710,548 76.03% 11.21% $7,112 4.29% 0.87% 0.64% 3.63% 12.96% 12.95% CrossFirst Bank $5,309,379 $4,237,944 $4,387,464 96.59% 19.89% $16,387 4.19% 1.34% 1.14% 3.22% 21.55% 19.09% INTRUST Bank, National Association $7,272,682 $3,793,470 $6,381,981 59.44% 26.22% $9,012 3.58% 0.74% 0.60% 3.00% 59.29% 49.08%

State Average of Asset Group D $2,547,962 $1,541,575 $2,165,317 68.26% 30.64% $7,306 4.00% 0.88% 0.73% 3.37% 27.80% 28.80%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-BS & NIM Page 19 of 73 Asset Quality Asset Quality June 30, 2021 Run Date: August 13, 2021

Summary Trends of Historical Asset Group Averages: Non accruals/Loans, Reserves/Loans & NPAs/Total Assets

Asset Group A ‐ $0 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets As of Date As of Date 2.00% 1.80%

1.80% 1.60% 1.60% 1.40% 1.40% 1.20% 1.20% 1.00% 1.00% 0.80% 0.80% 0.60% 0.60%

0.40% 0.40%

0.20% 0.20%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Nonaccruals/Loans 1.15% 1.23% 1.30% 1.67% 1.34% 1.19% 1.07% 0.98% 0.93% Nonaccruals/Loans 1.30% 1.32% 1.11% 1.06% 1.25% 1.16% 1.12% 0.91% 0.78% Reserves/Loans 1.60% 1.63% 1.68% 1.77% 1.66% 1.70% 1.76% 1.78% 1.81% Reserves/Loans 1.43% 1.47% 1.42% 1.50% 1.48% 1.51% 1.62% 1.59% 1.54% NPAs/Total Assets 1.16% 1.28% 1.27% 1.33% 1.14% 1.03% 0.87% 0.76% 0.72% NPAs/Total Assets 1.21% 1.34% 1.15% 1.04% 1.25% 1.11% 0.95% 0.78% 0.67%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ Over $1 billion in Total Assets As of Date As of Date 1.80% 1.80%

1.60% 1.60%

1.40% 1.40%

1.20% 1.20%

1.00% 1.00%

0.80% 0.80%

0.60% 0.60%

0.40% 0.40%

0.20% 0.20%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Nonaccruals/Loans 0.56% 0.69% 0.77% 0.90% 0.92% 1.06% 0.71% 0.79% 0.69% Nonaccruals/Loans 0.96% 0.89% 0.83% 0.82% 0.87% 0.88% 0.85% 0.86% 0.93% Reserves/Loans 1.55% 1.60% 1.54% 1.61% 1.53% 1.49% 1.43% 1.53% 1.52% Reserves/Loans 1.07% 1.09% 1.13% 1.29% 1.39% 1.44% 1.55% 1.59% 1.63% NPAs/Total Assets 1.08% 1.20% 1.10% 1.08% 0.93% 1.01% 0.76% 0.76% 0.66% NPAs/Total Assets 1.06% 0.97% 0.97% 0.97% 0.95% 1.08% 1.04% 1.01% 1.02%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Asset Quality Graph Page 21 of 73 Asset Quality June 30, 2021 Run Date: August 13, 2021

As of Date NPA+ Loans Tot Loans & Nonaccrual 90PD / Tang Leases Nonaccrual Loans/Total Loans Reserves/Loans Reserves/ NPLs NPAs/Total Assets Equity + LLRs (%) Total Assets ($000) ($000) (%) (%) (%) (%) Texas Ratio Region Institution Name

Asset Group A - $0 to $250 million in total assets

The Walton State Bank $11,668 $213 4.00% 0.83% 20.66% 34.61% 2.32% State Bank of Burrton $12,541 $0 0.00% 1.39% NA 0.00% 0.00% Prescott State Bank $15,058 $0 0.00% 1.51% NA 0.00% 0.00% First National Bank of Harveyville $17,009 $0 0.00% 1.16% 195.00% 13.25% 0.35% Peoples State Bank $17,211 $184 1.42% 1.21% 84.78% 7.59% 1.76% Farmers State Bank $17,248 $0 0.00% 1.84% NA 0.00% 0.00% Dickinson County Bank $17,271 $58 0.53% 2.61% 105.90% 12.94% 1.57% Bison State Bank $18,200 $0 0.00% 2.01% NA 0.00% 0.00% The Alden State Bank $21,334 $0 0.00% 1.54% NA 14.51% 1.76% Emerald Bank $21,616 $4 0.04% 1.58% 106.71% 12.35% 0.76% The Bank of Denton $22,473 $181 1.62% 1.30% 80.11% 4.93% 0.81% Hillsboro State Bank $22,986 $862 12.46% 2.69% 20.76% 51.78% 3.90% Farmers State Bank $24,127 $40 0.36% 1.80% 500.00% 2.08% 0.17% The Marion National Bank $25,986 $0 0.00% 1.73% NA 0.00% 0.00% The Baxter State Bank $27,109 $1,101 8.80% 1.69% 19.16% 28.72% 5.43% Marquette Farmers State Bank of Marquette Kansas $31,581 $574 4.10% 2.83% 68.99% 17.47% 2.83% State Bank of Canton $34,058 $0 0.00% 1.09% NA 1.39% 0.28% Gorham State Bank $36,317 $514 2.38% 1.16% 48.83% 12.13% 1.42% Union State Bank $37,173 $1,563 13.29% 6.94% 52.21% 40.61% 5.74% Piqua State Bank $38,664 $0 0.00% 3.82% NA 14.99% 0.00% Farmers State Bank $39,283 $1,701 7.54% 2.34% 27.15% 41.26% 5.10% Cottonwood Valley Bank $40,935 $0 0.00% 3.51% NA 0.00% 0.00% Ninnescah Valley Bank $40,951 $0 0.00% 1.46% NA 0.00% 0.00% The State Exchange Bank $42,297 $36 0.24% 1.27% 530.56% 0.68% 0.09% The Haviland State Bank $43,216 $219 1.00% 2.30% 229.68% 3.24% 0.51% Bank of Greeley $43,940 $0 0.00% 1.50% NA 0.00% 0.00% Farmers and Merchants Bank of Mound City, Kansas $46,647 $25 0.08% 1.51% 18.96% 64.19% 5.13% Olpe State Bank $48,021 $0 0.00% 1.44% NA 0.00% 0.00% First National Bank of Spearville $48,415 $0 0.00% 2.16% NA 0.00% 0.00% Swedish-American State Bank $49,208 $0 0.00% 2.06% NA 0.62% 0.08% The First State Bank of Ransom $49,269 $152 1.03% 2.62% 254.61% 1.69% 0.31% Ford County State Bank $49,744 $32 0.20% 4.70% NM 0.51% 0.06% Bank of Palmer $51,875 $0 0.00% 1.77% NA 0.00% 0.00% The City State Bank $53,102 $0 0.00% 1.07% NA 16.33% 1.37% KansasLand Bank $54,239 $2,676 11.42% 4.11% 32.98% 50.22% 5.50% Peoples Bank $54,536 $33 0.13% 1.83% NM 0.85% 0.12% The Farmers State Bank of Blue Mound $54,982 $1 0.00% 1.38% 455.67% 1.70% 0.18% Security State Bank $55,546 $89 0.45% 2.18% 480.90% 2.97% 0.45% The Farmers State Bank of Bucklin, Kansas $56,276 $0 0.00% 2.36% NA 0.00% 0.00% First National Bank in Frankfort $57,357 $471 2.18% 1.84% 84.29% 8.73% 0.82%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Asset Quality Page 22 of 73 Asset Quality June 30, 2021 Run Date: August 13, 2021

Asset Group A - $0 to $250 million in total assets (continued)

New Century Bank $59,849 $148 0.30% 1.79% 604.73% 1.88% 0.25% The First National Bank of Sedan $60,173 $106 0.39% 2.27% 574.53% 3.99% 0.18% The State Bank of Spring Hill $60,972 $0 0.00% 1.68% NA 0.13% 0.00% Union State Bank $62,382 $0 0.00% 0.93% NA 11.63% 0.00% Howard State Bank $63,927 $11 0.04% 2.11% NM 0.57% 0.07% Stock Exchange Bank $67,853 $0 0.00% 1.58% NA 0.30% 0.00% The First National Bank of Dighton $68,151 $60 0.17% 1.29% 760.00% 0.76% 0.09% Tampa State Bank $69,204 $184 0.53% 1.97% 374.46% 3.15% 0.27% The Bank of Holyrood $69,430 $661 1.52% 1.64% 108.02% 7.83% 1.22% The Farmers State Bank $70,289 $132 0.35% 1.47% 418.94% 1.43% 0.19% The Citizens State Bank and Trust Company $71,488 $0 0.00% 0.73% NA 0.61% 0.05% Farmers State Bank $71,881 $14 0.05% 4.41% NM 0.11% 0.02% Kaw Valley State Bank $72,922 $206 0.91% 1.55% 169.42% 6.01% 0.28% Fowler State Bank $73,535 $46 0.25% 5.99% NM 0.57% 0.06% The First State Bank $75,126 $0 0.00% 4.12% 185.80% 3.60% 0.68% The First Security Bank $75,307 $0 0.00% 1.09% NA 0.00% 0.00% Small Business Bank $77,271 $271 0.47% 1.23% 74.66% 10.73% 1.23% The Bank of Protection $79,207 $4 0.01% 1.41% NM 1.63% 0.24% The Citizens State Bank of Cheney, Kansas $80,125 $34 0.09% 1.96% NM 0.47% 0.04% FNB Washington $80,536 $97 0.28% 2.74% 116.67% 3.67% 1.00% Kansas State Bank $83,426 $241 0.64% 3.54% 550.21% 2.07% 0.29% Heritage Bank $83,962 $230 0.41% 1.30% 130.37% 10.48% 0.92% Exchange State Bank $84,326 $486 1.11% 1.22% 110.08% 5.83% 0.58% The First State Bank of Healy $84,586 $604 1.39% 1.62% 65.46% 9.53% 1.27% Bendena State Bank $88,032 $321 0.58% 1.03% 176.32% 4.03% 0.36% The Lyndon State Bank $88,615 $0 0.00% 1.21% NA 2.77% 0.15% The First National Bank of Hope $90,376 $3,642 7.62% 2.33% 22.75% 45.98% 5.55% The University National Bank of Lawrence $91,897 $51 0.09% 1.48% NM 0.57% 0.06% Johnson State Bank $92,420 $449 1.50% 2.74% 183.07% 2.95% 0.49% Kendall Bank $92,925 $75 0.11% 0.74% 646.67% 0.68% 0.08% First Federal Savings and Loan Bank $94,996 $2,173 2.83% 1.21% 37.12% 18.45% 2.63% First Bank of Beloit $96,459 $0 0.00% 2.19% NA 0.36% 0.00% The Baldwin State Bank $97,507 $253 0.52% 1.00% 194.07% 3.45% 0.26% The Stockgrowers State Bank $98,097 $0 0.00% 1.49% NA 0.04% 0.00% The Bank of Commerce and Trust Company $98,107 $287 0.65% 1.04% 31.66% 18.53% 1.68% First National Bank of Kansas $99,319 $271 1.12% 1.35% 120.66% 2.94% 0.27% CBW Bank $100,639 $0 0.00% 0.35% 20.16% 5.66% 0.97% Community Bank of Wichita, Inc. $102,352 $299 0.40% 1.34% 339.80% 3.09% 0.29% First National Bank in Fredonia $103,465 $484 1.32% 2.11% 120.63% 3.58% 0.62% Conway Bank $106,002 $1,633 2.33% 1.48% 44.51% 27.05% 2.62% The Elk State Bank $109,220 $14 0.02% 1.73% 68.31% 12.08% 1.30%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Asset Quality Page 23 of 73 Asset Quality June 30, 2021 Run Date: August 13, 2021

Asset Group A - $0 to $250 million in total assets (continued)

State Bank of Bern $110,710 $0 0.00% 1.69% 182.70% 2.35% 0.38% Citizens State Bank and Trust Company $112,702 $0 0.00% 1.39% NA 0.00% 0.00% Wilson State Bank $113,887 $1,054 1.43% 1.09% 75.62% 11.10% 0.93% The Riley State Bank of Riley Kansas $116,328 $0 0.00% 2.02% NA 0.00% 0.00% TriCentury Bank $120,423 $0 0.00% 1.22% NA 0.00% 0.00% State Bank of Downs $120,715 $0 0.00% 1.15% 29.60% 22.01% 2.75% Farmers Bank & Trust $125,404 $409 0.68% 1.31% 50.32% 12.20% 1.24% First National Bank in Cimarron $127,574 $0 0.00% 1.12% NA 0.00% 0.00% Bank of Prairie Village $129,039 $0 0.00% 1.13% NA 0.00% 0.00% First Commerce Bank $130,244 $520 0.63% 1.23% 196.54% 4.15% 0.40% Heartland Tri-State Bank $132,553 $142 0.21% 1.40% 669.72% 12.28% 0.54% Prairie Bank of Kansas $133,779 $0 0.00% 1.27% 94.01% 7.29% 0.64% American Bank of Baxter Springs $137,844 $28 0.05% 2.38% 560.59% 1.51% 0.17% Community Bank $138,328 $0 0.00% 1.22% NA 0.00% 0.00% Bankwest of Kansas $139,853 $2,372 3.02% 1.55% 51.31% 17.91% 1.70% Garden Plain State Bank $141,097 $0 0.00% 1.48% NA 0.01% 0.00% Citizens State Bank $141,279 $722 1.01% 0.84% 52.82% 6.48% 0.80% Alliance Bank $142,621 $121 0.13% 1.71% 205.91% 4.96% 0.53% First Bank $146,263 $7 0.01% 3.97% NM 0.06% 0.00% The Farmers State Bank $146,509 $0 0.00% 1.58% NA 0.00% 0.00% Andover State Bank $147,896 $20 0.02% 1.36% NM 2.50% 0.01% The First National Bank of Scott City $148,990 $597 0.80% 1.24% 155.11% 6.81% 0.40% Home Bank and Trust Company $150,826 $108 0.11% 1.46% NM 0.93% 0.07% Stockgrowers State Bank $152,294 $0 0.00% 1.40% NA 0.00% 0.00% The Halstead Bank $154,219 $0 0.00% 1.52% 428.08% 3.17% 0.23% The Community Bank $154,944 $651 0.77% 1.88% 68.50% 13.36% 1.51% Southwind Bank $155,199 $429 0.63% 1.72% 271.10% 2.51% 0.28% Flint Hills Bank $155,685 $19 0.03% 2.09% NM 0.10% 0.01% Chisholm Trail State Bank $157,380 $14 0.01% 1.10% NM 0.08% 0.01% Fidelity State Bank and Trust Company $157,696 $145 0.21% 1.38% 656.55% 1.18% 0.09% Impact Bank $159,156 $457 0.58% 1.32% 228.88% 2.66% 0.29% Union State Bank $162,050 $0 0.00% 1.34% NA 0.44% 0.00% Patriots Bank $164,101 $0 0.00% 0.95% 749.03% 0.94% 0.09% Farmers National Bank $164,933 $1,030 1.11% 2.23% 200.39% 5.54% 0.93% Carson Bank $165,199 $21 0.02% 1.54% NM 0.16% 0.01% The First National Bank of Louisburg $166,390 $127 0.18% 1.66% 927.56% 0.68% 0.08% The Farmers State Bank of Aliceville, Kansas $171,675 $0 0.00% 1.61% NA 0.09% 0.00% The Lyon County State Bank $176,247 $13 0.02% 1.14% NM 0.08% 0.01% The Farmers State Bank of Oakley, Kansas $177,881 $0 0.00% 1.05% NA 0.00% 0.00%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Asset Quality Page 24 of 73 Asset Quality June 30, 2021 Run Date: August 13, 2021

Asset Group A - $0 to $250 million in total assets (continued)

Valley State Bank $179,687 $1,180 1.18% 1.34% 105.13% 6.70% 0.80% Kansas State Bank $180,966 $0 0.00% 1.36% NA 0.00% 0.00% Vintage Bank Kansas $181,790 $513 0.54% 2.11% 155.70% 7.51% 0.82% Bankers' Bank of Kansas $183,316 $0 0.00% 2.63% NA 0.27% 0.00% The Valley State Bank $184,339 $1,444 1.09% 1.36% 125.00% 7.43% 0.78% Community State Bank $189,028 $4,571 5.07% 2.30% 44.26% 22.66% 2.48% Fusion Bank $194,462 $408 0.41% 1.71% 418.14% 1.73% 0.21% Solomon State Bank $197,906 $0 0.00% 2.92% NA 0.29% 0.05% Farmers and Drovers Bank $210,128 $199 0.18% 1.37% 749.75% 0.49% 0.13% VisionBank $213,455 $551 0.30% 1.19% 391.83% 3.26% 0.32% The Fidelity State Bank and Trust Company $213,745 $163 0.59% 3.90% 665.64% 0.42% 0.08% FirstOak Bank $215,877 $34 0.02% 1.19% NM 0.16% 0.02% Citizens National Bank $217,397 $0 0.00% 2.00% NA 0.00% 0.00% Freedom Bank $218,765 $0 0.00% 0.91% NA 0.00% 0.00% SJN Bank of Kansas $224,462 $3,723 3.48% 3.55% 101.91% 24.67% 1.66% First Heritage Bank $225,484 $64 0.05% 1.34% NM 0.42% 0.03% The Farmers State Bank $225,907 $2,259 1.62% 1.69% 54.16% 14.73% 1.92% The Kaw Valley State Bank and Trust Company, of Wamego, Kansas $227,174 $1,881 1.69% 1.95% 115.36% 8.42% 1.02% FNB Bank $233,025 $58 0.04% 1.49% NM 2.56% 0.32% Citizens State Bank and Trust Co., Ellsworth, Kansas $234,224 $85 0.07% 1.09% NM 0.69% 0.05% Goppert State Service Bank $244,143 $66 0.04% 1.19% NM 1.39% 0.08% Plains State Bank $246,226 $4,384 2.65% 1.14% 42.84% 16.77% 1.78%

State Average of Asset Group A $106,600 $386 0.93% 1.81% 231.14% 6.80% 0.72%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Asset Quality Page 25 of 73 Asset Quality June 30, 2021 Run Date: August 13, 2021

Asset Group B - $251 to $500 million in total assets

Peoples State Bank $251,208 $3,765 2.02% 0.87% 31.30% 22.67% 2.07% Kearny County Bank $253,199 $1,957 1.26% 1.56% 123.15% 4.77% 0.79% The Citizens State Bank $255,885 $455 0.35% 1.40% 397.58% 1.92% 0.18% Great American Bank $256,095 $0 0.00% 1.24% NA 0.00% 0.00% First National Bank and Trust $258,589 $1,859 1.25% 2.26% 165.85% 5.98% 0.78% Community First Bank $261,779 $130 0.07% 0.19% 153.97% 0.99% 0.09% First Kansas Bank $267,000 $0 0.00% 1.16% NA 0.00% 0.00% Grant County Bank $269,536 $3,007 1.84% 2.25% 122.38% 10.29% 1.35% KANZA Bank $280,718 $138 0.08% 1.66% NM 0.57% 0.05% Farmers & Merchants Bank of Colby $296,821 $105 0.05% 1.22% NM 0.24% 0.04% Solutions North Bank $304,345 $0 0.00% 2.11% NA 0.00% 0.00% Mid-America Bank $310,839 $0 0.00% 1.70% NA 3.74% 0.36% Cornerstone Bank $315,274 $1,272 0.46% 1.34% 293.40% 14.07% 1.32% Centera Bank $323,874 $642 0.50% 1.19% 235.67% 7.57% 0.69% Bank of Hays $326,995 $276 0.15% 1.60% NM 0.82% 0.08% Kaw Valley Bank $329,644 $4,856 1.93% 1.89% 82.87% 14.55% 1.74% Community First National Bank $336,607 $588 0.23% 1.88% 829.93% 2.46% 0.17% ESB Financial $338,883 $5,149 2.93% 1.48% 29.37% 29.84% 2.62% Guaranty State Bank and Trust Company $340,847 $898 0.42% 1.37% 323.05% 2.25% 0.26% Security State Bank $343,372 $0 0.00% 0.81% NA 0.00% 0.00% The Union State Bank of Everest $374,212 $1,089 0.43% 1.41% 304.64% 3.97% 0.41% Bank of the Flint Hills $382,178 $111 0.04% 1.35% NM 7.77% 0.07% Astra Bank $382,503 $786 0.46% 1.45% 314.76% 4.57% 0.39% The Citizens State Bank $382,717 $108 0.04% 1.31% NM 2.03% 0.09% Silver Lake Bank $393,294 $2 0.00% 0.95% 138.41% 6.38% 0.66% Bank of Commerce $395,578 $0 0.00% 1.21% NA 0.00% 0.00% The Bank $397,722 $11,226 5.39% 2.54% 30.23% 31.81% 4.41% First State Bank and Trust $406,657 $7 0.00% 1.24% NM 0.02% 0.00% Commercial Bank $417,097 $834 0.48% 1.62% 340.05% 2.25% 0.20% First National Bank of Syracuse $429,547 $1,323 0.43% 2.26% 521.01% 14.23% 0.69% The Bank of Tescott $433,822 $8,900 2.96% 2.86% 96.61% 13.13% 2.08% The Denison State Bank $435,202 $729 0.30% 1.31% 412.55% 1.56% 0.18% The First State Bank $482,090 $5,743 2.54% 2.30% 90.35% 10.50% 1.20% The Citizens State Bank $494,730 $999 0.46% 1.55% 325.22% 1.90% 0.21% Labette Bank $498,453 $997 0.35% 1.19% 273.78% 3.26% 0.32%

State Average of Asset Group B $349,352 $1,656 0.78% 1.54% 245.05% 6.46% 0.67%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Asset Quality Page 26 of 73 Asset Quality June 30, 2021 Run Date: August 13, 2021

Asset Group C - $501 million to $1 billion in total assets

Citizens Bank of Kansas $502,840 $701 0.32% 1.26% 395.29% 1.51% 0.14% The Peoples Bank $512,474 $6,526 2.75% 2.16% 67.73% 13.81% 1.47% Southwest National Bank $526,675 $869 0.20% 1.11% 79.50% 32.14% 1.16% Exchange Bank & Trust $537,858 $24 0.01% 1.33% NM 0.05% 0.00% First Option Bank $554,544 $162 0.07% 1.14% NM 0.41% 0.04% Union State Bank $567,510 $905 0.29% 1.33% 456.69% 2.63% 0.17% Community National Bank $570,284 $4,047 2.05% 1.47% 61.09% 9.20% 0.84% First Bank Kansas $574,156 $0 0.00% 2.00% NA 1.11% 0.00% Western State Bank $580,278 $4,465 1.23% 2.40% 186.67% 6.32% 0.81% Legacy Bank $588,628 $880 0.25% 1.37% 251.76% 11.91% 1.25% United Bank & Trust $737,712 $0 0.00% 1.18% NA 10.27% 1.15% American State Bank & Trust Company $786,135 $3,738 0.79% 1.19% 135.68% 4.78% 0.53% Bank of Labor $866,436 $900 0.33% 1.16% 336.02% 4.61% 0.30% The First National Bank of Hutchinson $885,019 $16 0.00% 1.53% NM 0.02% 0.00% GNBank, National Association $928,783 $12,966 2.66% 1.54% 55.31% 14.41% 1.47% The Bennington State Bank $931,319 $2,448 0.44% 2.49% 87.64% 15.49% 1.71% Peoples Bank and Trust Company $980,079 $1,990 0.37% 1.12% 269.02% 5.18% 0.23%

State Average of Asset Group C $684,161 $2,390 0.69% 1.52% 198.53% 7.87% 0.66%

Asset Group D - Over $1 billion in total assets

Farmers Bank & Trust $1,064,559 $587 0.14% 1.16% 141.22% 3.77% 0.72% NBKC Bank $1,110,604 $7,428 1.39% 1.92% 130.92% 4.27% 0.71% CoreFirst Bank & Trust $1,179,081 $13,616 2.03% 1.49% 41.71% 23.99% 2.14% Central National Bank $1,215,308 $4,601 0.79% 2.23% 199.65% 4.51% 0.54% Armed Forces Bank, National Association $1,225,231 $3,066 0.56% 2.57% 455.88% 1.90% 0.29% Landmark National Bank $1,246,764 $13,297 1.92% 1.32% 61.97% 11.43% 1.30% Bank of Blue Valley $1,419,346 $7,435 1.02% 1.34% 131.67% 4.77% 0.56% Community National Bank & Trust $1,806,902 $13,563 1.29% 1.20% 89.03% 11.84% 1.03% Emprise Bank $2,345,821 $3,745 0.28% 1.35% 444.18% 2.16% 0.18% KS StateBank $2,389,806 $5,862 0.33% 1.70% 456.76% 2.87% 0.30% Fidelity Bank, National Association $2,734,148 $11,598 0.54% 1.28% 72.48% 16.55% 1.55% Security Bank of Kansas City $3,632,384 $537 0.03% 2.02% 129.63% 5.76% 0.77% Equity Bank $4,267,417 $56,811 2.01% 1.84% 91.24% 14.30% 1.59% CrossFirst Bank $5,309,379 $54,651 1.29% 1.78% 78.33% 14.63% 1.85% INTRUST Bank, National Association $7,272,682 $11,650 0.31% 1.24% 37.85% 23.26% 1.71%

State Average of Asset Group D $2,547,962 $13,896 0.93% 1.63% 170.83% 9.73% 1.02%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Asset Quality Page 27 of 73 Capital Adequacy Capital Adequacy June 30, 2021 Run Date: August 13, 2021

Summary Trends of Historical Asset Group Averages: Leverage Ratio, Tier 1 Risk Based Ratio & Risk Based Capital Ratio

Asset Group A ‐ $0 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets As of Date As of Date 30.00% 18.00%

16.00% 25.00% 14.00%

20.00% 12.00%

10.00% 15.00% 8.00%

10.00% 6.00%

4.00% 5.00% 2.00%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Leverage Ratio 12.49% 12.63% 12.35% 12.37% 11.89% 11.93% 11.71% 11.47% 11.55% Leverage Ratio 10.58% 10.83% 10.91% 10.73% 10.35% 10.18% 10.27% 10.17% 10.33% Tier 1 Risk Based Ratio 20.64% 21.25% 20.28% 20.99% 20.20% 23.02% 21.37% 22.29% 21.46% Tier 1 Risk Based Ratio 14.53% 14.74% 14.89% 14.73% 14.38% 14.45% 14.63% 15.04% 15.33% Risk Based Capital Ratio 21.75% 22.48% 21.46% 22.18% 21.31% 24.17% 22.56% 23.50% 22.67% Risk Based Capital Ratio 15.63% 15.85% 15.98% 15.92% 15.58% 15.63% 15.83% 16.20% 16.39%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ Over $1 billion in Total Assets As of Date As of Date 18.00% 20.00%

16.00% 18.00%

14.00% 16.00% 14.00% 12.00% 12.00% 10.00% 10.00% 8.00% 8.00% 6.00% 6.00%

4.00% 4.00%

2.00% 2.00%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Leverage Ratio 11.74% 11.80% 11.63% 11.64% 10.62% 9.83% 10.21% 9.57% 9.35% Leverage Ratio 11.18% 10.85% 10.63% 10.70% 10.12% 10.55% 10.12% 10.59% 10.82% Tier 1 Risk Based Ratio 16.03% 15.89% 15.79% 14.46% 14.02% 13.80% 15.68% 15.40% 15.14% Tier 1 Risk Based Ratio 14.52% 14.77% 13.50% 12.82% 13.34% 14.04% 14.13% 15.33% 16.30% Risk Based Capital Ratio 17.12% 16.99% 16.86% 15.55% 15.18% 14.89% 16.75% 16.53% 16.25% Risk Based Capital Ratio 15.84% 15.71% 14.46% 13.89% 14.51% 15.18% 15.34% 16.49% 17.46%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Capital Graph Page 29 of 73 Capital Adequacy June 30, 2021 Run Date: August 13, 2021

Summary Trends of Historical Asset Group Averages: Common Equity Tier 1 Risk Based Ratio

Asset Group A ‐ $0 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets As of Date As of Date 23.50% 15.40%

23.00% 15.20% 22.50% 15.00% 22.00%

21.50% 14.80%

21.00% 14.60%

20.50% 14.40% 20.00% 14.20% 19.50% 14.00% 19.00%

18.50% 13.80%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Common Equity Tier 1 RB Ratio 20.63% 21.24% 20.27% 20.97% 20.18% 23.00% 21.35% 22.27% 21.45% Common Equity Tier 1 RB Ratio 14.53% 14.74% 14.89% 14.73% 14.38% 14.45% 14.63% 15.04% 15.33%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ Over $1 billion in Total Assets As of Date As of Date 16.50% 18.00%

16.00% 16.00%

14.00% 15.50% 12.00% 15.00% 10.00% 14.50% 8.00% 14.00% 6.00% 13.50% 4.00%

13.00% 2.00%

12.50% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Common Equity Tier 1 RB Ratio 16.03% 15.89% 15.79% 14.46% 14.02% 13.80% 15.68% 15.40% 15.14% Common Equity Tier 1 RB Ratio 14.52% 14.77% 13.50% 12.82% 13.34% 14.04% 14.13% 15.33% 16.30%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Capital Graph Page 30 of 73 Capital Adequacy June 30, 2021 Run Date: August 13, 2021

As of Date

Common Equity Total Equity Common Equity Tier 1 Risk Risk Based Tier 1 Risk Based Total Assets ($000) Capital ($000) Tier1 Capital ($000) Tier 1 Capital ($000) Leverage Ratio (%) Based Ratio (%) Capital Ratio (%) Ratio (%) Region Institution Name

Asset Group A - $0 to $250 million in total assets

The Walton State Bank $11,668 $739 $739 $739 6.25% 20.28% 21.49% 20.28% State Bank of Burrton $12,541 $1,209 $1,226 $1,226 9.77% NA NA NA Prescott State Bank $15,058 $2,255 $2,255 $2,255 15.17% NA NA NA First National Bank of Harveyville $17,009 $1,475 $1,475 $1,475 8.71% NA NA NA Peoples State Bank $17,211 $4,703 $4,703 $4,703 26.28% NA NA NA Farmers State Bank $17,248 $1,945 $1,945 $1,945 11.22% NA NA NA Dickinson County Bank $17,271 $1,808 $1,804 $1,804 10.47% 19.99% 21.26% 19.99% Bison State Bank $18,200 $1,726 $1,726 $1,726 8.88% NA NA NA The Alden State Bank $21,334 $2,434 $2,459 $2,459 11.66% 20.82% 22.06% 20.82% Emerald Bank $21,616 $2,140 $2,140 $2,140 9.78% 19.80% 21.05% 19.80% The Bank of Denton $22,473 $3,525 $3,525 $3,525 15.47% NA NA NA Hillsboro State Bank $22,986 $1,954 $1,903 $1,903 7.99% 19.86% 21.11% 19.86% Farmers State Bank $24,127 $2,159 $2,159 $2,159 9.01% NA NA NA The Marion National Bank $25,986 $4,490 $3,282 $3,282 13.16% NA NA NA The Baxter State Bank $27,109 $5,740 $5,109 $5,109 19.16% NA NA NA Marquette Farmers State Bank of Marquette Kansas $31,581 $5,001 $4,919 $4,919 15.76% NA NA NA State Bank of Canton $34,058 $6,671 $6,588 $6,588 19.68% 44.99% 45.77% 44.99% Gorham State Bank $36,317 $3,985 $3,985 $3,785 11.01% 18.73% 19.91% 17.79% Union State Bank $37,173 $4,441 $4,216 $4,216 10.95% 32.79% 34.10% 32.79% Piqua State Bank $38,664 $3,553 $3,496 $3,496 9.42% 26.75% 28.02% 26.75% Farmers State Bank $39,283 $4,421 $4,210 $4,210 11.21% NA NA NA Cottonwood Valley Bank $40,935 $5,166 $4,932 $4,932 12.10% NA NA NA Ninnescah Valley Bank $40,951 $4,881 $4,548 $4,548 11.54% NA NA NA The State Exchange Bank $42,297 $5,390 $4,987 $4,987 11.39% 22.72% 23.59% 22.72% The Haviland State Bank $43,216 $6,260 $6,010 $6,010 13.61% NA NA NA Bank of Greeley $43,940 $5,358 $5,376 $5,376 12.29% NA NA NA Farmers and Merchants Bank of Mound City, Kansas $46,647 $3,338 $3,295 $3,295 6.94% 13.81% 15.06% 13.81% Olpe State Bank $48,021 $6,702 $6,599 $6,599 13.68% 26.89% 28.14% 26.89% First National Bank of Spearville $48,415 $6,967 $5,984 $5,984 12.24% NA NA NA Swedish-American State Bank $49,208 $5,787 $5,682 $5,682 11.28% 19.10% 20.36% 19.10% The First State Bank of Ransom $49,269 $10,454 $10,013 $10,013 19.84% 44.34% 45.60% 44.34% Ford County State Bank $49,744 $5,457 $5,515 $5,515 11.09% 23.56% 24.84% 23.56% Bank of Palmer $51,875 $5,710 $5,295 $5,295 9.89% NA NA NA The City State Bank $53,102 $4,151 $4,145 $4,145 7.89% NA NA NA KansasLand Bank $54,239 $5,674 $4,940 $4,940 9.15% 22.33% 23.62% 22.33% Peoples Bank $54,536 $7,524 $6,749 $6,749 12.54% NA NA NA The Farmers State Bank of Blue Mound $54,982 $8,885 $8,875 $8,875 16.18% NA NA NA Security State Bank $55,546 $8,061 $7,853 $7,853 14.11% NA NA NA The Farmers State Bank of Bucklin, Kansas $56,276 $5,741 $4,759 $4,759 8.55% 16.70% 21.38% 16.70% First National Bank in Frankfort $57,357 $6,076 $5,702 $5,702 9.72% NA NA NA

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Capital Page 31 of 73 Capital Adequacy June 30, 2021 Run Date: August 13, 2021

As of Date

Asset Group A - $0 to $250 million in total assets (continued)

New Century Bank $59,849 $6,973 $6,973 $6,973 11.49% 18.41% 19.67% 18.41% The First National Bank of Sedan $60,173 $6,603 $6,485 $6,485 10.54% NA NA NA The State Bank of Spring Hill $60,972 $4,563 $4,558 $4,558 7.66% 23.34% 24.26% 23.34% Union State Bank $62,382 $5,031 $5,006 $5,006 7.95% 13.67% 14.63% 13.67% Howard State Bank $63,927 $7,138 $6,867 $6,867 10.39% 14.69% 15.94% 14.69% Stock Exchange Bank $67,853 $5,992 $5,939 $5,939 8.70% NA NA NA The First National Bank of Dighton $68,151 $12,008 $12,142 $12,142 17.34% 29.02% 30.11% 29.02% Tampa State Bank $69,204 $6,159 $6,203 $6,203 8.85% NA NA NA The Bank of Holyrood $69,430 $10,117 $9,999 $9,999 14.45% 24.13% 25.38% 24.13% The Farmers State Bank $70,289 $8,696 $8,570 $8,570 12.63% NA NA NA The Citizens State Bank and Trust Company $71,488 $5,498 $5,372 $5,372 7.70% 11.19% 11.95% 11.19% Farmers State Bank $71,881 $11,051 $10,567 $10,567 14.46% 35.90% 37.19% 35.90% Kaw Valley State Bank $72,922 $6,221 $5,475 $5,475 7.95% 19.86% 21.11% 19.86% Fowler State Bank $73,535 $6,931 $6,971 $6,971 9.36% 26.96% 28.25% 26.96% The First State Bank $75,126 $13,338 $12,748 $12,748 16.58% 31.51% 32.77% 31.51% The First Security Bank $75,307 $6,818 $6,150 $6,150 8.18% 10.87% 11.97% 10.87% Small Business Bank $77,271 $11,077 $10,864 $10,864 13.72% NA NA NA The Bank of Protection $79,207 $11,932 $11,700 $11,700 14.73% 21.10% 22.24% 21.10% The Citizens State Bank of Cheney, Kansas $80,125 $7,651 $7,298 $7,298 9.33% 14.83% 16.08% 14.83% FNB Washington $80,536 $20,983 $20,738 $20,738 24.95% NA NA NA Kansas State Bank $83,426 $10,326 $9,663 $9,663 11.76% 20.06% 21.33% 20.06% Heritage Bank $83,962 $6,616 $6,628 $6,628 7.98% 12.81% 14.06% 12.81% Exchange State Bank $84,326 $8,436 $8,436 $8,436 9.78% NA NA NA The First State Bank of Healy $84,586 $18,470 $17,341 $17,341 20.87% NA NA NA Bendena State Bank $88,032 $7,407 $7,307 $7,307 8.29% 12.92% 13.92% 12.92% The Lyndon State Bank $88,615 $8,926 $8,402 $8,402 9.59% 13.55% 14.80% 13.55% The First National Bank of Hope $90,376 $9,793 $9,934 $9,934 11.05% 16.67% 17.92% 16.67% The University National Bank of Lawrence $91,897 $8,113 $7,769 $7,769 8.67% 18.46% 19.72% 18.46% Johnson State Bank $92,420 $14,390 $13,833 $13,833 14.98% NA NA NA Kendall Bank $92,925 $11,345 $10,325 $10,325 11.18% 16.52% 17.30% 16.52% First Federal Savings and Loan Bank $94,996 $13,111 $13,111 $13,111 13.94% NA NA NA First Bank of Beloit $96,459 $11,561 $11,570 $11,570 12.00% 22.34% 23.60% 22.34% The Baldwin State Bank $97,507 $9,713 $9,350 $9,350 9.61% NA NA NA The Stockgrowers State Bank $98,097 $11,203 $10,090 $10,090 11.38% 17.54% 18.79% 17.54% The Bank of Commerce and Trust Company $98,107 $8,795 $8,067 $8,067 8.20% 16.74% 17.69% 16.74% First National Bank of Kansas $99,319 $8,879 $7,699 $7,699 8.06% 20.30% 21.16% 20.30% CBW Bank $100,639 $17,056 $17,073 $17,073 44.08% 96.71% 97.83% 96.71% Community Bank of Wichita, Inc. $102,352 $8,651 $8,707 $8,707 8.47% 11.76% 13.01% 11.76% First National Bank in Fredonia $103,465 $17,086 $16,558 $16,558 15.70% NA NA NA Conway Bank $106,002 $9,779 $8,122 $8,122 7.62% 14.75% 16.00% 14.75% The Elk State Bank $109,220 $10,804 $10,246 $10,246 9.27% 17.73% 18.99% 17.73%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Capital Page 32 of 73 Capital Adequacy June 30, 2021 Run Date: August 13, 2021

As of Date

Asset Group A - $0 to $250 million in total assets (continued)

State Bank of Bern $110,710 $17,870 $17,155 $17,155 15.36% NA NA NA Citizens State Bank and Trust Company $112,702 $15,076 $15,147 $15,147 13.52% 26.17% 27.24% 26.17% Wilson State Bank $113,887 $9,516 $8,464 $8,464 7.67% 11.13% 12.18% 11.13% The Riley State Bank of Riley Kansas $116,328 $11,095 $11,003 $11,003 9.46% NA NA NA TriCentury Bank $120,423 $14,492 $14,430 $14,430 12.10% NA NA NA State Bank of Downs $120,715 $14,078 $14,078 $14,078 11.60% NA NA NA Farmers Bank & Trust $125,404 $11,999 $10,887 $10,887 8.68% 16.43% 17.61% 16.43% First National Bank in Cimarron $127,574 $10,432 $9,666 $9,666 7.47% 14.95% 15.83% 14.95% Bank of Prairie Village $129,039 $14,109 $13,739 $13,739 10.59% NA NA NA First Commerce Bank $130,244 $12,583 $11,474 $11,474 8.57% NA NA NA Heartland Tri-State Bank $132,553 $13,859 $12,423 $12,423 9.18% 15.52% 16.71% 15.52% Prairie Bank of Kansas $133,779 $11,450 $10,773 $10,773 8.13% NA NA NA American Bank of Baxter Springs $137,844 $14,284 $13,860 $13,860 10.19% NA NA NA Community Bank $138,328 $14,316 $14,304 $14,304 10.40% NA NA NA Bankwest of Kansas $139,853 $15,702 $15,070 $15,070 10.59% 17.76% 19.01% 17.76% Garden Plain State Bank $141,097 $17,866 $17,363 $17,363 12.47% 21.32% 22.24% 21.32% Citizens State Bank $141,279 $16,936 $16,742 $16,742 11.67% NA NA NA Alliance Bank $142,621 $13,784 $13,761 $13,761 9.91% NA NA NA First Bank $146,263 $18,972 $17,943 $17,943 11.78% NA NA NA The Farmers State Bank $146,509 $14,987 $13,466 $13,466 9.24% 15.16% 16.37% 15.16% Andover State Bank $147,896 $13,628 $13,630 $13,130 9.19% NA NA NA The First National Bank of Scott City $148,990 $17,032 $16,878 $16,878 11.17% NA NA NA Home Bank and Trust Company $150,826 $10,119 $10,124 $10,124 6.90% 10.33% 11.58% 10.33% Stockgrowers State Bank $152,294 $20,421 $19,815 $19,815 12.86% NA NA NA The Halstead Bank $154,219 $12,787 $12,823 $12,823 8.31% NA NA NA The Community Bank $154,944 $15,924 $15,753 $15,753 9.55% 14.85% 16.10% 14.85% Southwind Bank $155,199 $17,215 $15,760 $15,760 10.22% NA NA NA Flint Hills Bank $155,685 $18,325 $18,381 $18,381 11.57% NA NA NA Chisholm Trail State Bank $157,380 $16,472 $16,110 $16,110 10.18% 14.55% 15.59% 14.55% Fidelity State Bank and Trust Company $157,696 $13,638 $13,072 $13,072 8.31% NA NA NA Impact Bank $159,156 $16,128 $15,137 $15,137 9.24% 14.23% 15.21% 14.23% Union State Bank $162,050 $18,770 $17,632 $17,632 11.04% NA NA NA Patriots Bank $164,101 $15,350 $15,002 $15,002 9.15% NA NA NA Farmers National Bank $164,933 $27,857 $25,187 $25,187 15.46% 24.85% 26.11% 24.85% Carson Bank $165,199 $12,241 $11,838 $11,838 7.45% 11.81% 13.07% 11.81% The First National Bank of Louisburg $166,390 $17,409 $16,654 $16,654 9.74% NA NA NA The Farmers State Bank of Aliceville, Kansas $171,675 $26,332 $25,724 $25,724 14.93% NA NA NA The Lyon County State Bank $176,247 $16,192 $14,268 $14,268 7.97% 19.93% 21.11% 19.93% The Farmers State Bank of Oakley, Kansas $177,881 $27,545 $26,206 $26,206 14.83% NA NA NA

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Capital Page 33 of 73 Capital Adequacy June 30, 2021 Run Date: August 13, 2021

As of Date

Asset Group A - $0 to $250 million in total assets (continued)

Valley State Bank $179,687 $20,200 $20,060 $20,060 11.19% NA NA NA Kansas State Bank $180,966 $14,888 $14,853 $14,853 8.20% NA NA NA Vintage Bank Kansas $181,790 $18,687 $17,016 $17,016 9.56% NA NA NA Bankers' Bank of Kansas $183,316 $30,345 $30,348 $30,348 14.91% 23.48% 24.75% 23.48% The Valley State Bank $184,339 $17,629 $17,234 $17,234 9.17% 11.36% 12.55% 11.36% Community State Bank $189,028 $20,078 $19,339 $19,339 10.22% NA NA NA Fusion Bank $194,462 $23,779 $23,485 $23,485 12.00% NA NA NA Solomon State Bank $197,906 $31,214 $30,986 $30,986 15.30% NA NA NA Farmers and Drovers Bank $210,128 $52,201 $51,503 $51,503 24.93% NA NA NA SJN Bank of Kansas $224,462 $19,506 $17,935 $17,935 8.07% 13.28% 14.55% 13.28% VisionBank $213,455 $19,567 $18,805 $18,805 8.82% NA NA NA The Fidelity State Bank and Trust Company $213,745 $37,328 $36,296 $36,296 17.07% 89.67% 90.94% 89.67% FirstOak Bank $215,877 $21,023 $19,082 $19,082 8.47% NA NA NA Citizens National Bank $217,397 $21,889 $20,594 $20,594 9.49% 21.03% 22.28% 21.03% Freedom Bank $218,765 $20,900 $20,879 $20,879 10.24% 12.36% 13.09% 12.36% First Heritage Bank $225,484 $22,528 $22,223 $22,223 9.45% NA NA NA The Farmers State Bank $225,907 $30,574 $29,555 $29,555 12.76% NA NA NA The Kaw Valley State Bank and Trust Company, of Wamego, Kansas $227,174 $25,566 $24,844 $24,844 10.91% NA NA NA FNB Bank $233,025 $27,629 $27,533 $27,533 11.78% 17.28% 18.53% 17.28% Citizens State Bank and Trust Co., Ellsworth, Kansas $234,224 $21,101 $18,814 $18,814 7.83% 15.05% 16.14% 15.05% Goppert State Service Bank $244,143 $22,081 $22,097 $22,097 9.11% NA NA NA Plains State Bank $246,226 $27,025 $24,306 $24,306 9.65% 12.03% 12.96% 12.03%

State Average of Asset Group A $106,600 $12,336 $11,870 $11,865 11.55% 21.46% 22.67% 21.45%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Capital Page 34 of 73 Capital Adequacy June 30, 2021 Run Date: August 13, 2021

As of Date

Asset Group B - $251 to $500 million in total assets

Peoples State Bank $251,208 $27,091 $24,575 $24,575 9.77% NA NA NA Kearny County Bank $253,199 $40,640 $38,255 $38,255 15.26% NA NA NA The Citizens State Bank $255,885 $22,554 $21,896 $21,896 8.57% NA NA NA Great American Bank $256,095 $32,962 $24,485 $24,485 10.26% NA NA NA First National Bank and Trust $258,589 $40,266 $38,843 $38,843 14.93% NA NA NA Community First Bank $261,779 $34,031 $23,667 $23,667 9.48% 13.21% 13.42% 13.21% First Kansas Bank $267,000 $23,878 $18,948 $18,948 7.07% 18.04% 19.11% 18.04% Grant County Bank $269,536 $35,297 $33,802 $33,802 12.47% NA NA NA KANZA Bank $280,718 $25,887 $23,496 $23,496 8.40% NA NA NA Farmers & Merchants Bank of Colby $296,821 $41,581 $38,991 $38,991 13.30% NA NA NA Solutions North Bank $304,345 $36,936 $34,437 $34,437 11.35% 15.90% 17.15% 15.90% Mid-America Bank $310,839 $29,925 $29,675 $29,675 9.67% 13.15% 14.41% 13.15% Cornerstone Bank $315,274 $25,899 $25,621 $25,621 8.45% NA NA NA Centera Bank $323,874 $29,555 $26,665 $26,665 8.02% 17.03% 17.99% 17.03% Bank of Hays $326,995 $30,873 $29,801 $29,801 9.23% NA NA NA Kaw Valley Bank $329,644 $35,290 $34,855 $34,855 10.70% NA NA NA Community First National Bank $336,607 $33,443 $33,474 $33,474 9.97% 12.67% 13.93% 12.67% ESB Financial $338,883 $27,187 $26,863 $26,863 7.97% 12.84% 14.09% 12.84% Guaranty State Bank and Trust Company $340,847 $41,354 $39,160 $39,160 11.33% NA NA NA Security State Bank $343,372 $50,946 $50,523 $50,523 16.20% NA NA NA The Union State Bank of Everest $374,212 $39,437 $34,610 $34,610 9.13% 13.07% 14.32% 13.07% Bank of the Flint Hills $382,178 $34,174 $33,652 $33,652 8.96% NA NA NA Astra Bank $382,503 $32,479 $30,498 $30,498 7.92% 13.08% 14.14% 13.08% The Citizens State Bank $382,717 $38,793 $36,523 $36,523 9.33% NA NA NA Silver Lake Bank $393,294 $37,952 $37,288 $37,288 9.58% NA NA NA Bank of Commerce $395,578 $35,472 $35,338 $35,338 8.90% 13.95% 15.10% 13.95% The Bank $397,722 $53,161 $51,381 $51,381 12.66% 25.42% 26.69% 25.42% First State Bank and Trust $406,657 $32,817 $31,619 $31,619 7.80% 13.14% 14.37% 13.14% Commercial Bank $417,097 $35,835 $31,327 $31,327 7.57% 14.09% 15.34% 14.09% First National Bank of Syracuse $429,547 $46,805 $43,099 $43,099 9.87% 14.71% 14.88% 14.71% The Bank of Tescott $433,822 $60,359 $58,145 $58,145 13.35% 19.62% 20.89% 19.62% The Denison State Bank $435,202 $59,640 $58,431 $58,431 13.35% NA NA NA The First State Bank $482,090 $59,123 $51,374 $51,374 10.87% NA NA NA The Citizens State Bank $494,730 $58,699 $50,343 $50,343 10.18% NA NA NA Labette Bank $498,453 $49,279 $48,809 $48,809 9.80% NA NA NA

State Average of Asset Group B $349,352 $38,275 $35,728 $35,728 10.33% 15.33% 16.39% 15.33%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Capital Page 35 of 73 Capital Adequacy June 30, 2021 Run Date: August 13, 2021

As of Date

Asset Group C - $501 million to $1 billion in total assets

Citizens Bank of Kansas $502,840 $58,864 $40,067 $40,067 8.34% 13.73% 14.68% 13.73% The Peoples Bank $512,474 $59,332 $45,260 $45,260 9.13% 16.88% 18.14% 16.88% Southwest National Bank $526,675 $48,078 $46,943 $46,943 8.81% NA NA NA Exchange Bank & Trust $537,858 $54,658 $53,315 $53,315 9.82% NA NA NA First Option Bank $554,544 $48,290 $44,401 $44,401 8.09% 18.01% 19.12% 18.01% Union State Bank $567,510 $67,848 $49,115 $49,115 8.90% 12.85% 13.93% 12.85% Community National Bank $570,284 $50,408 $48,246 $48,246 8.53% 18.43% 19.60% 18.43% First Bank Kansas $574,156 $49,578 $45,283 $45,283 7.92% 15.95% 17.21% 15.95% Western State Bank $580,278 $65,509 $63,474 $63,474 11.08% 16.27% 17.53% 16.27% Legacy Bank $588,628 $58,484 $56,411 $56,411 9.59% NA NA NA United Bank & Trust $737,712 $86,796 $80,569 $80,569 10.89% NA NA NA American State Bank & Trust Company $786,135 $97,118 $79,049 $79,049 10.11% NA NA NA Bank of Labor $866,436 $53,958 $54,283 $54,283 6.82% 12.74% 13.50% 12.74% The First National Bank of Hutchinson $885,019 $100,838 $98,384 $98,384 10.98% 13.30% 14.55% 13.30% GNBank, National Association $928,783 $102,709 $88,315 $88,315 9.72% NA NA NA The Bennington State Bank $931,319 $98,709 $94,482 $94,482 10.45% 15.66% 16.92% 15.66% Peoples Bank and Trust Company $980,079 $110,623 $93,462 $93,462 9.70% 12.71% 13.52% 12.71%

State Average of Asset Group C $684,161 $71,282 $63,592 $63,592 9.35% 15.14% 16.25% 15.14%

Asset Group D - Over $1 billion in total assets

Farmers Bank & Trust $1,064,559 $198,821 $181,925 $181,925 17.18% 26.78% 27.55% 26.78% NBKC Bank $1,110,604 $173,620 $171,380 $171,380 15.80% 24.73% 25.99% 24.73% CoreFirst Bank & Trust $1,179,081 $95,110 $95,694 $95,694 8.25% 13.30% 14.55% 13.30% Central National Bank $1,215,308 $132,044 $126,627 $126,627 10.24% NA NA NA Armed Forces Bank, National Association $1,225,231 $183,911 $173,121 $173,121 14.50% 24.18% 25.44% 24.18% Landmark National Bank $1,246,764 $150,043 $126,504 $126,504 10.31% 17.14% 18.39% 17.14% Bank of Blue Valley $1,419,346 $203,857 $149,506 $149,506 10.93% 16.76% 17.96% 16.76% Community National Bank & Trust $1,806,902 $165,838 $147,067 $147,067 8.13% 12.34% 13.40% 12.34% Emprise Bank $2,345,821 $198,836 $166,797 $166,797 7.36% 12.15% 13.40% 12.15% KS StateBank $2,389,806 $254,341 $248,607 $248,607 10.35% NA NA NA Fidelity Bank, National Association $2,734,148 $249,142 $255,183 $255,183 9.31% 10.89% 12.07% 10.89% Security Bank of Kansas City $3,632,384 $522,968 $449,311 $449,311 12.55% NA NA NA Equity Bank $4,267,417 $468,864 $410,238 $410,238 9.86% 14.36% 15.62% 14.36% CrossFirst Bank $5,309,379 $607,273 $578,847 $578,847 10.27% 11.79% 13.05% 11.79% INTRUST Bank, National Association $7,272,682 $509,555 $523,705 $523,705 7.25% 11.15% 12.15% 11.15%

State Average of Asset Group D $2,547,962 $274,282 $253,634 $253,634 10.82% 16.30% 17.46% 16.30%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Capital Page 36 of 73 Missouri Performance Analysis Performance Analysis June 30, 2021 Run Date: August 13, 2021

Summary Trends of Historical Asset Group Averages: Return on Average Assets

Asset Group A ‐ $0 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets Year‐to‐Date Year‐to‐Date 1.20% 1.55%

1.50% 1.15%

1.45%

1.10% 1.40%

1.35% 1.05%

1.30%

1.00% 1.25%

0.95% 1.20%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Return on Avg Assets 1.11% 1.15% 1.15% 1.06% 1.16% 1.17% 1.11% 1.02% 1.16% Return on Avg Assets 1.36% 1.35% 1.41% 1.33% 1.51% 1.52% 1.43% 1.36% 1.47%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ Over $1 billion in Total Assets Year‐to‐Date Year‐to‐Date 1.80% 2.00%

1.60% 1.80%

1.60% 1.40% 1.40% 1.20% 1.20% 1.00% 1.00% 0.80% 0.80% 0.60% 0.60% 0.40% 0.40%

0.20% 0.20%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Return on Avg Assets 1.36% 1.58% 1.53% 1.65% 1.51% 1.52% 1.44% 1.40% 1.33% Return on Avg Assets 1.34% 1.34% 1.28% 1.09% 1.79% 1.80% 1.85% 1.31% 1.19%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Performance Graph Page 39 of 73 Performance Analysis June 30, 2021 Run Date: August 13, 2021

Summary Trends of Historical Asset Group Averages: Return on Average Equity

Asset Group A ‐ $0 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets Year‐to‐Date Year‐to‐Date 11.50% 14.50%

11.00% 14.00%

13.50% 10.50%

13.00% 10.00% 12.50% 9.50% 12.00%

9.00% 11.50%

8.50% 11.00%

8.00% 10.50%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Return on Avg Equity 10.02% 10.45% 10.34% 9.47% 10.86% 11.06% 10.58% 9.25% 10.76% Return on Avg Equity 12.54% 12.25% 13.17% 11.89% 14.11% 14.18% 13.37% 12.19% 13.77%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ Over $1 billion in Total Assets Year‐to‐Date Year‐to‐Date 18.00% 18.00%

16.00% 16.00%

14.00% 14.00%

12.00% 12.00%

10.00% 10.00%

8.00% 8.00%

6.00% 6.00%

4.00% 4.00%

2.00% 2.00%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Return on Avg Equity 11.80% 13.39% 13.00% 13.54% 15.77% 15.51% 14.16% 11.77% 11.42% Return on Avg Equity 12.76% 12.55% 11.72% 10.24% 15.15% 15.30% 15.87% 11.36% 11.41%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Performance Graph Page 40 of 73 Performance Analysis June 30, 2021 Run Date: August 13, 2021

As of Date Quarter to Date Year to Date

Asset Group A - $0 to $250 million in total assets

The Corder Bank $23,826 $39 0.64% 7.00% 72.35% $68 $101 0.99% 8.92% 68.67% $68 Bank of New Cambria $37,125 ($5) (0.05%) (0.46%) 96.51% $54 $11 0.07% 0.50% 95.58% $66 America's Community Bank $37,204 $81 0.90% 8.65% 77.53% $77 $134 0.85% 7.39% 72.34% $66 The State Bank $42,127 $188 1.79% 23.71% 58.15% $49 $182 1.06% 11.81% 72.83% $55 First Security Bank $44,321 $209 1.88% 25.75% 52.00% $60 $163 0.94% 11.04% 68.34% $56 La Monte Community Bank $44,560 ($5) (0.04%) (0.58%) 102.06% $79 $88 0.55% 5.06% 78.32% $73 The Bank of Orrick $45,291 ($47) (0.41%) (5.10%) 118.49% $74 $128 0.70% 6.66% 94.11% $64 FMB Bank $46,460 $23 0.19% 2.55% 95.10% $62 $89 0.41% 5.07% 84.80% $64 Montrose Savings Bank $53,062 $283 2.08% 15.62% 43.62% $68 $375 1.71% 11.20% 53.69% $67 The Bank of Houston $55,821 $635 4.50% 40.39% 38.01% $92 ($370) (2.07%) (18.14%) 136.25% $89 Community Bank of Memphis $57,260 $125 0.84% 7.39% 56.25% $47 $180 0.79% 5.44% 61.33% $57 Bank of Louisiana $58,111 $33 0.22% 2.05% 91.82% $76 $10 0.04% 0.34% 91.86% $68 Sherwood Community Bank $63,096 $132 0.82% 9.71% 77.31% $62 $214 0.82% 8.61% 78.49% $55 Tri-County Trust Company $63,097 $235 1.45% 11.85% 57.30% $88 $336 1.12% 9.61% 65.06% $80 Kahoka State Bank $64,118 $48 0.30% 3.36% 84.45% $56 $141 0.51% 5.01% 78.75% $57 Bank of Iberia $65,026 $66 0.40% 4.94% 87.35% $74 $168 0.59% 6.34% 87.19% $68 Peoples Bank of Moniteau County $68,552 $387 2.27% 25.57% 42.52% $64 $220 0.72% 7.82% 73.51% $60 1st Cameron State Bank $69,815 ($1) (0.01%) (0.07%) 107.45% $56 $70 0.25% 2.55% 88.81% $54 FarmBank $70,868 $88 0.49% 6.47% 80.51% $65 $121 0.42% 4.61% 78.29% $65 Bank of Billings $74,590 $250 1.31% 10.92% 64.89% $64 $180 0.58% 4.17% 81.61% $58 Peoples Bank of Altenburg $74,934 $216 1.12% 11.14% 69.74% $94 $290 0.87% 8.15% 76.68% $71 LimeBank $76,449 $1,066 5.70% 51.92% 45.09% $105 $26 0.07% 0.67% 87.59% $61 Community Bank of Missouri $76,860 $335 1.77% 15.46% 55.07% $62 $525 1.84% 13.47% 59.84% $62 Neighbors Bank $77,436 $187 0.95% 7.16% 97.74% $66 $1,099 5.09% 41.31% 77.24% $67 Farmers Bank of Lohman $79,293 $188 0.96% 6.43% 53.66% $52 $213 0.62% 3.87% 66.55% $57 Investors Community Bank $82,963 $261 1.28% 9.07% 57.01% $56 $466 1.29% 9.11% 58.00% $48 The Citizens Bank of Edina $83,774 $388 1.82% 15.86% 38.34% $67 $808 2.21% 17.67% 37.14% $59 United Security Bank $84,427 $211 1.00% 9.07% 64.89% $87 $455 1.47% 10.38% 63.54% $91 Silex Banking Company $91,431 $174 0.80% 5.74% 64.27% $89 $237 0.65% 3.97% 72.50% $100 Senath State Bank $93,382 $296 1.24% 9.37% 62.64% $59 $817 1.92% 13.13% 51.11% $59 TPNB Bank $93,972 $274 1.17% 7.91% 57.59% $68 $401 0.94% 6.39% 64.29% $63 Connections Bank $94,622 $279 1.23% 9.37% 63.42% $61 $413 0.90% 7.22% 66.46% $66 Alton Bank $94,924 $221 0.93% 8.13% 70.42% $69 $444 1.19% 8.56% 64.79% $55 Metz Banking Company $96,457 $273 1.15% 11.03% 62.16% $81 $582 1.47% 12.68% 59.68% $79 Concordia Bank $98,359 $400 1.58% 17.66% 53.00% $62 $436 1.12% 10.41% 65.18% $64 Community State Bank $98,706 $457 1.83% 19.62% 34.66% $52 $752 1.79% 19.46% 38.88% $54 The Hamilton Bank $101,510 $470 1.84% 20.73% 51.61% $87 $722 1.69% 16.86% 58.34% $93 Commercial Bank of Oak Grove $103,985 $96 0.36% 3.06% 81.89% $61 $350 0.84% 5.71% 67.45% $62 HomePride Bank $105,065 $294 1.08% 12.30% 73.52% $42 ($254) (0.48%) (6.02%) 110.58% $39 Bank of Brookfield-Purdin National Association $105,260 $230 0.86% 7.71% 65.35% $52 $346 0.77% 5.94% 68.20% $49 Security Bank of Southwest Missouri $107,897 $566 2.11% 21.43% 51.28% $58 $922 2.22% 18.77% 56.08% $58 The Bank of Grain Valley $107,987 $418 1.56% 7.81% 56.81% $107 $866 1.83% 8.35% 55.31% $99 Citizens Bank of Rogersville $108,808 $569 2.10% 19.01% 54.09% $77 $595 1.23% 11.16% 67.61% $67

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Performance Page 41 of 73 Performance Analysis June 30, 2021 Run Date: August 13, 2021

As of Date Quarter to Date Year to Date

Asset Group A - $0 to $250 million in total assets (continued)

Citizens Bank & Trust $112,278 $311 1.08% 10.15% 64.46% $72 $679 1.37% 11.41% 74.98% $67 The Merchants and Farmers Bank of Salisbury $112,934 $330 1.16% 13.98% 69.24% $54 $267 0.54% 5.61% 81.57% $56 The First National Bank of Nevada $114,749 $51 0.17% 1.35% 75.27% $96 $437 0.87% 5.57% 73.75% $90 Community Bank of Pleasant Hill $118,148 $388 1.31% 17.29% 62.93% $81 $844 1.82% 19.02% 57.71% $70 Kennett Trust Bank $119,560 $194 0.65% 5.77% 75.02% $71 $469 0.91% 7.32% 84.83% $66 Peoples Bank of Wyaconda $119,620 $466 1.53% 15.53% 47.41% $56 $474 0.93% 8.43% 58.55% $46 First Independent Bank $120,417 $335 1.11% 11.06% 57.38% $56 $378 0.78% 6.42% 71.27% $54 The Mercantile Bank of Louisiana, Missouri $123,174 $561 1.81% 9.49% 51.65% $72 $775 1.42% 6.54% 60.61% $77 Bank of New Madrid $123,665 $321 1.05% 9.83% 62.94% $57 $660 1.27% 10.93% 60.38% $58 Citizens Community Bank $123,915 $181 0.58% 5.26% 76.40% $70 $382 0.69% 5.85% 74.26% $79 Bank of Salem $125,138 $256 0.82% 9.38% 67.16% $58 $493 0.91% 9.49% 65.54% $53 County Bank $125,202 $562 1.81% 21.73% 61.32% $87 $782 1.60% 17.94% 66.97% $87 New Frontier Bank $125,603 $793 2.49% 26.12% 48.02% $78 $724 1.29% 14.61% 67.58% $84 Jonesburg State Bank $127,671 $200 0.62% 8.45% 79.28% $67 $843 1.61% 19.33% 61.69% $60 Community Bank of El Dorado Springs $127,804 $522 1.65% 11.40% 44.54% $67 $815 1.52% 8.96% 50.83% $64 Security Bank of Pulaski County $128,421 $247 0.74% 9.03% 71.68% $70 $492 0.86% 9.51% 75.52% $63 State Bank of Missouri $128,606 $365 1.14% 14.20% 62.18% $51 $794 1.54% 17.45% 58.87% $58 Table Rock Community Bank $128,639 $321 1.03% 13.39% 64.38% $66 $550 1.19% 12.98% 65.84% $64 Security Bank of the Ozarks $130,763 $975 3.08% 38.46% 46.69% $39 $645 1.30% 14.17% 69.11% $42 1st Advantage Bank $133,041 $279 0.83% 8.58% 73.40% $110 $273 0.47% 4.68% 81.93% $103 Northeast Missouri State Bank $135,452 $497 1.47% 11.27% 50.25% $82 $990 1.73% 11.04% 51.75% $78 First Community Bank of the Ozarks $136,044 $430 1.27% 12.42% 65.67% $63 $212 0.36% 3.29% 76.58% $60 Preferred Bank $140,500 $425 1.20% 16.68% 56.76% $38 $903 1.55% 19.12% 72.52% $42 Bank of Monticello $140,683 $604 1.78% 16.63% 49.60% $51 $1,104 1.88% 16.68% 50.68% $50 First Midwest Bank of the Ozarks $143,060 $616 1.72% 16.95% 62.13% $58 $725 1.11% 10.41% 63.40% $41 Chillicothe State Bank $145,103 $404 1.10% 13.66% 66.92% $62 $762 1.21% 13.55% 64.50% $62 Bank of Crocker $146,388 $287 0.78% 7.33% 73.15% $55 $422 0.65% 5.46% 78.72% $54 Independent Farmers Bank $147,803 $344 0.94% 9.78% 65.10% $79 $768 1.22% 11.55% 61.03% $76 Meramec Valley Bank $148,032 $580 1.58% 19.51% 64.11% $100 $800 1.15% 15.10% 69.32% $96 Home Exchange Bank $148,555 $3,975 10.74% 78.62% 11.13% $72 $1,103 1.30% 10.99% 47.35% $76 Clay County Savings Bank $149,347 $84 0.22% 2.79% 90.81% $71 $299 0.48% 5.14% 83.55% $65 Community Point Bank $155,097 $573 1.48% 15.78% 53.99% $65 $857 1.21% 12.86% 58.51% $61 First Community National Bank $157,327 $278 0.70% 9.30% 90.50% $59 $226 0.34% 3.68% 104.15% $58 Bank 21 $159,164 $511 1.30% 15.09% 63.72% $74 $1,220 1.66% 20.01% 62.00% $67 The Tipton Latham Bank, National Association $161,162 $910 2.26% 21.63% 44.14% $76 $1,108 1.54% 14.34% 53.30% $76 The Citizens-Farmers Bank of Cole Camp $161,244 $866 2.14% 14.92% 39.54% $57 $865 1.24% 8.05% 46.96% $54 F&M Bank and Trust Company $162,280 $388 0.94% 10.81% 65.62% $71 $740 1.12% 11.07% 63.83% $65 Progressive Ozark Bank $163,359 $616 1.52% 17.02% 70.21% $51 $1,050 1.70% 16.76% 69.21% $47 Citizens' Bank of Charleston $164,181 $600 1.46% 8.96% 45.11% $43 $1,188 1.63% 9.40% 45.71% $64 Commercial Trust Company of Fayette $169,520 $473 1.12% 12.85% 65.48% $77 $885 1.27% 13.15% 63.01% $72 Bank Star $170,905 $869 2.02% 21.84% 46.06% $67 $623 0.87% 8.11% 65.86% $72 St. Clair County State Bank $173,521 $729 1.69% 13.15% 44.76% $61 $1,115 1.49% 10.75% 49.14% $60 Carroll County Trust Company of Carrollton, Missouri $174,919 $516 1.17% 10.65% 61.72% $86 ($49) (0.06%) (0.55%) 71.01% $84 Citizens Bank of the Midwest $175,189 $277 0.64% 7.14% 81.19% $65 $654 0.85% 8.64% 72.40% $56

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Performance Page 42 of 73 Performance Analysis June 30, 2021 Run Date: August 13, 2021

As of Date Quarter to Date Year to Date

Asset Group A - $0 to $250 million in total assets (continued)

Adrian Bank $175,221 $920 2.10% 19.00% 46.73% $77 $1,916 2.59% 21.39% 41.91% $61 The Cornerstone Bank $178,074 $1,182 2.73% 22.40% 55.34% $60 $722 1.00% 7.15% 76.82% $60 Heritage Community Bank $179,674 $710 1.57% 18.02% 60.85% $76 $796 1.03% 11.14% 73.97% $71 State Bank of Southwest Missouri $184,971 $624 1.40% 24.37% 63.01% $112 $1,278 1.79% 27.07% 58.17% $99 First Missouri State Bank of Cape County $186,861 $535 1.16% 12.99% 71.30% $84 $844 0.96% 11.10% 68.15% $77 Bank of Saint Elizabeth $188,320 $1,176 2.51% 21.44% 52.06% $84 $1,833 2.28% 19.41% 57.38% $91 Citizens Bank $190,065 $937 1.94% 27.61% 55.26% $65 $1,538 1.88% 22.30% 56.74% $57 First State Bank of Purdy $192,461 $425 0.82% 11.38% 71.77% $71 $1,080 1.26% 14.71% 70.47% $75 Bank of Weston $193,862 $363 0.78% 10.82% 70.71% $73 $1,135 1.39% 16.94% 64.78% $69 Bank of Grandin $194,721 $1,102 2.28% 15.63% 45.75% $66 $1,106 1.25% 8.26% 57.44% $66 Bank Northwest $195,983 $1,368 2.69% 30.41% 38.52% $57 $2,448 2.85% 32.12% 39.90% $59 The Seymour Bank $197,928 $416 0.88% 8.32% 72.41% $63 $694 0.88% 7.52% 73.44% $59 Citizens Bank of Eldon $198,192 $860 1.76% 16.17% 45.99% $87 $531 0.66% 5.14% 60.33% $77 Alliant Bank $202,124 $1,262 2.48% 26.58% 55.70% $71 $671 0.84% 7.91% 75.11% $70 Community Bank of Marshall $204,044 $715 1.40% 15.12% 45.64% $52 $833 0.95% 8.80% 58.89% $58 First Missouri Bank of SEMO $205,246 $758 1.48% 16.24% 60.53% $54 $950 0.99% 10.18% 61.35% $53 Exchange Bank of Northeast Missouri $209,982 $646 1.24% 12.48% 64.81% $56 $618 0.72% 7.17% 76.14% $53 First Missouri State Bank $212,263 $924 1.75% 19.15% 53.68% $74 $1,620 1.72% 18.74% 51.68% $70 Lamar Bank and Trust Company $218,695 $1,383 2.50% 23.36% 46.48% $86 $1,435 1.63% 15.10% 57.75% $84 Goppert Financial Bank $220,156 $343 0.62% 6.82% 69.35% $84 $691 0.75% 7.14% 72.80% $78 Paramount Bank $225,237 ($3,097) (5.28%) (64.33%) 134.54% $176 $2,180 3.69% 40.63% 81.65% $162 Central Bank of Audrain County $231,116 $674 1.11% 15.47% 51.54% $75 $1,258 1.25% 16.66% 49.32% $73 Heritage Bank of the Ozarks $233,017 $1,076 1.94% 22.16% 55.97% $84 $574 0.68% 7.69% 76.63% $84 Central Bank of Moberly $238,261 $541 0.91% 12.30% 62.83% $70 $1,235 1.20% 14.05% 56.83% $66 Century Bank of the Ozarks $239,696 $2,251 3.94% 45.51% 37.12% $68 $1,477 1.57% 16.41% 56.90% $66 United State Bank $245,880 $907 1.48% 17.35% 50.27% $55 $1,500 1.63% 16.40% 53.16% $59 Community First Banking Company $248,964 $1,006 1.59% 15.84% 55.91% $71 $1,533 1.49% 13.01% 61.60% $63 Midwest Independent BankersBank $249,707 $1,126 1.75% 11.01% 63.29% $94 $1,354 0.95% 6.97% 73.97% $98

State Average of Asset Group A $132,711 $481 1.40% 13.79% 62.91% $70 $680 1.16% 10.76% 67.59% $67

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Performance Page 43 of 73 Performance Analysis June 30, 2021 Run Date: August 13, 2021

As of Date Quarter to Date Year to Date

Asset Group B - $251 to $500 million in total assets

Peoples Bank $251,219 $1,128 1.80% 18.02% 58.11% $68 $1,877 1.69% 16.31% 57.91% $65 FortuneBank $253,099 $606 0.96% 11.61% 72.87% $102 $842 0.74% 9.34% 74.39% $118 Community First Bank $258,655 $901 1.41% 18.53% 53.13% $70 $1,713 1.82% 20.88% 48.94% $69 O'Bannon Banking Company $261,801 $614 0.95% 11.55% 64.62% $62 $1,040 0.91% 10.24% 66.56% $56 Putnam County State Bank $262,536 $1,121 1.70% 13.53% 25.10% $50 $1,713 1.51% 11.33% 36.08% $74 Kearney Trust Company $268,639 $897 1.33% 15.35% 54.37% $73 $1,275 1.16% 11.73% 55.34% $72 Commercial Bank $273,766 $493 0.74% 10.29% 76.29% $109 $583 0.51% 6.40% 83.48% $122 Citizens Bank $273,927 $1,015 1.48% 13.18% 56.83% $65 $1,205 1.01% 8.69% 58.02% $69 Farmers and Merchants Bank of St. Clair $282,102 $893 1.29% 11.56% 67.03% $64 $959 0.87% 6.79% 61.43% $31 Pony Express Bank $283,043 $1,285 1.86% 22.06% 53.86% $131 $1,704 1.81% 14.92% 47.71% $109 F & C Bank $283,274 $2,268 3.14% 30.94% 47.16% $88 $2,619 2.15% 20.26% 55.18% $74 Community State Bank of Missouri $285,063 $825 1.15% 10.02% 63.88% $71 $1,980 1.60% 12.35% 57.64% $71 Exchange Bank of Missouri $285,360 $1,031 1.43% 13.64% 49.56% $77 $1,859 1.59% 14.36% 52.61% $70 Ozark Bank $303,975 $1,011 1.37% 15.07% 61.27% $79 $1,461 1.13% 11.08% 68.37% $81 Branson Bank $304,707 $667 0.91% 10.57% 69.56% $75 $844 0.70% 7.16% 76.55% $70 Bank of Versailles $306,544 $735 0.99% 7.88% 55.63% $79 $1,337 0.99% 7.60% 58.16% $81 Farmers State Bank $307,429 $806 1.06% 11.97% 65.36% $62 $914 0.72% 7.23% 76.16% $61 Bloomsdale Bank $308,047 $1,349 1.74% 20.66% 49.08% $55 $4,053 3.16% 35.20% 35.09% $61 Alliance Bank $314,735 $1,284 1.64% 13.53% 58.88% $94 $1,384 1.00% 8.09% 67.72% $73 Bank of Franklin County $322,254 $746 0.93% 10.73% 65.62% $74 $1,162 0.83% 9.25% 60.98% $68 Wells Bank $326,954 $1,582 1.95% 23.27% 51.12% $74 $2,677 2.12% 22.27% 50.02% $70 Bank of Odessa $329,750 $1,242 1.47% 9.87% 38.82% $68 $2,065 1.43% 8.15% 40.91% $54 Central Bank of Kansas City $335,534 $3,464 4.24% 33.35% 60.38% $105 $4,663 3.72% 25.44% 57.18% $104 MA Bank $335,885 $812 0.97% 9.65% 69.32% $59 $1,963 1.33% 12.15% 62.50% $68 People's Bank of Seneca $338,379 $997 1.24% 15.53% 43.36% $88 $1,619 1.29% 14.95% 48.19% $82 Belgrade State Bank $341,181 $1,314 1.52% 17.80% 58.76% $68 $1,352 0.93% 10.05% 67.71% $66 Central Bank of Warrensburg $343,420 $917 1.09% 9.64% 59.47% $67 $1,477 1.11% 7.97% 60.19% $57 Saint John's Bank and Trust Company $344,650 $336 0.39% 4.49% 82.22% $79 $906 0.60% 6.02% 78.16% $73 First Missouri Bank $365,256 $1,745 1.93% 19.35% 51.78% $78 $2,025 1.19% 13.24% 58.29% $74 Community Bank of Raymore $383,939 $2,144 2.30% 36.07% 42.61% $83 $4,467 3.01% 35.99% 43.02% $77 UNICO Bank $396,025 $674 0.67% 8.89% 76.13% $55 $993 0.58% 6.80% 81.57% $49 The Missouri Bank $396,372 $1,526 1.54% 13.69% 49.88% $45 $2,843 1.93% 18.02% 56.89% $54 Community Bank and Trust $404,521 $713 0.70% 8.81% 81.27% $63 $1,222 0.74% 8.03% 84.47% $63 The Bank of Advance $410,073 $2,294 2.24% 19.35% 45.58% $73 $3,750 2.16% 17.16% 52.53% $78 New Era Bank $428,210 $1,726 1.65% 15.41% 48.89% $50 $3,335 1.78% 16.13% 45.53% $48 First Midwest Bank of Dexter $428,258 $1,924 1.72% 17.09% 55.35% $73 $3,550 1.83% 17.64% 52.96% $69 Peoples Savings Bank of Rhineland $432,478 $981 0.91% 11.04% 64.03% $74 $1,475 0.96% 9.80% 65.82% $73 United Bank of Union $448,844 $1,727 1.52% 15.03% 60.66% $71 $3,445 1.73% 16.28% 57.98% $70 First State Bank and Trust Company, Inc. $449,285 $1,786 1.57% 13.18% 61.05% $84 $3,151 1.60% 12.62% 62.75% $80 HOMEBANK $456,083 $1,687 1.48% 15.67% 66.17% $67 $2,579 1.21% 12.64% 70.58% $65 First State Bank of St. Charles, Missouri $462,945 $3,138 2.70% 18.19% 76.27% $191 $4,087 1.98% 15.44% 79.89% $181 Bank of Kirksville $463,979 $775 0.66% 5.63% 68.49% $52 $1,839 0.83% 6.72% 63.09% $55 The Callaway Bank $467,242 $1,180 1.00% 11.51% 67.89% $59 $2,074 1.05% 10.84% 69.03% $62 Legends Bank $471,858 $1,692 1.43% 10.39% 50.41% $70 $3,438 1.68% 11.69% 46.11% $68 Farmers Bank of Northern Missouri $473,784 $2,326 1.95% 16.09% 40.54% $63 $2,902 1.50% 11.11% 52.18% $63 Phelps County Bank $484,043 $2,636 2.21% 30.37% 53.96% $75 $4,241 2.19% 26.97% 55.98% $75 First Midwest Bank of Poplar Bluff $491,395 $2,429 1.97% 19.55% 55.05% $71 $4,473 1.91% 19.90% 54.22% $73 Regional Missouri Bank $497,880 $2,082 1.68% 16.76% 49.93% $64 $4,118 2.13% 17.96% 48.29% $64

State Average of Asset Group B $358,300 $1,365 1.51% 15.34% 58.28% $75 $2,234 1.47% 13.77% 59.67% $73

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Performance Page 44 of 73 Performance Analysis June 30, 2021 Run Date: August 13, 2021

As of Date Quarter to Date Year to Date

Asset Group C - $501 million to $1 billion in total assets

American Bank of Missouri $526,388 $1,690 1.29% 13.07% 55.09% $91 $1,266 0.60% 5.66% 63.18% $91 Mid America Bank $535,436 $2,225 1.53% 14.16% 55.97% $101 $4,957 1.82% 17.76% 49.85% $103 MRV Banks $540,612 $2,654 2.08% 22.05% 36.88% $100 $3,427 1.53% 16.99% 42.46% $93 Freedom Bank of Southern Missouri $551,445 $2,015 1.46% 14.25% 56.01% $69 $2,320 1.36% 12.82% 58.49% $51 The Bank of Old Monroe $554,114 $3,123 2.28% 18.81% 44.41% $79 $7,588 3.56% 23.98% 40.61% $78 Central Bank of Branson $560,023 $1,324 1.03% 12.02% 60.98% $80 $2,427 1.32% 13.38% 60.16% $70 The Maries County Bank $564,591 $1,591 1.13% 7.95% 62.71% $67 $2,439 1.00% 6.32% 66.78% $69 Central Bank of Sedalia $566,035 $1,672 1.16% 14.72% 54.62% $58 $3,328 1.47% 16.94% 52.39% $57 West Plains Bank and Trust Company $573,800 $2,335 1.64% 18.45% 57.28% $77 $2,850 1.35% 11.32% 63.12% $72 M1 Bank $577,632 $2,757 2.07% 23.58% 29.24% $96 $2,760 1.64% 17.42% 37.04% $90 Peoples Community Bank $607,278 $5,485 3.61% 21.09% 34.58% $47 $7,973 3.10% 17.23% 37.47% $49 Triad Bank $610,004 $1,603 1.06% 12.57% 52.35% $143 $2,183 1.00% 11.30% 47.93% $122 CNB St. Louis Bank $650,843 $2,762 1.74% 17.79% 51.12% $83 $3,901 1.43% 13.71% 57.66% $79 HNB National Bank $658,787 $4,702 2.82% 23.55% 42.12% $62 $9,059 3.36% 26.75% 40.45% $59 Sullivan Bank $664,174 $2,232 1.38% 14.05% 52.49% $71 $3,654 1.32% 13.41% 60.23% $63 Legacy Bank & Trust Company $666,398 $2,617 1.63% 16.42% 47.00% $98 $4,387 2.38% 26.90% 42.91% $96 Saint Louis Bank $673,199 $1,687 1.00% 12.89% 64.94% $141 $319 0.12% 1.38% 81.98% $139 Peoples Bank & Trust Co. $684,101 $1,772 1.05% 11.55% 67.24% $76 $3,441 1.33% 14.08% 70.36% $73 Old Missouri Bank $686,315 $2,515 1.48% 15.76% 50.28% $83 $2,541 0.91% 9.52% 58.66% $80 Town & Country Bank $693,264 $3,473 2.02% 19.56% 54.03% $69 $4,225 1.49% 12.36% 63.34% $64 Jefferson Bank and Trust Company $697,147 ($973) (0.56%) (5.11%) 52.06% $84 $3,634 1.13% 9.56% 50.88% $79 BTC Bank $708,310 $2,094 1.19% 9.38% 60.68% $74 $3,650 1.25% 9.13% 58.46% $72 Lead Bank $723,630 $2,935 1.73% 22.74% 86.71% $134 $2,277 1.11% 13.88% 91.31% $98 Blue Ridge Bank and Trust Co. $723,918 $1,125 0.63% 7.31% 71.75% $77 $2,651 0.90% 9.25% 65.71% $72 Parkside Financial Bank and Trust $742,854 $2,103 1.17% 12.67% 64.32% $202 $3,562 1.20% 11.64% 56.49% $181 Focus Bank $804,329 $3,399 1.67% 15.25% 64.01% $72 $4,401 1.14% 10.60% 68.24% $68 Jefferson Bank of Missouri $825,129 $4,550 2.24% 25.37% 40.97% $81 $6,505 1.89% 20.74% 45.15% $73 Bank of Washington $846,536 $3,483 1.61% 13.57% 58.54% $97 $6,261 1.68% 12.72% 57.94% $93 Springfield First Community Bank $850,067 $3,685 1.76% 11.12% 42.34% $154 $4,105 1.15% 6.90% 39.90% $147 Mid-Missouri Bank $863,694 $2,993 1.40% 17.54% 59.84% $80 $3,382 0.96% 10.95% 71.77% $69 Lindell Bank & Trust Company $880,631 $3,555 1.63% 14.85% 56.71% $90 $3,978 1.47% 7.37% 54.06% $63 Midwest Regional Bank $898,031 $2,800 1.24% 14.27% 56.12% $99 $35 0.01% 0.11% 77.66% $85 Royal Banks of Missouri $906,236 $2,117 0.93% 7.22% 56.37% $84 $3,881 1.08% 6.89% 52.89% $81 First Bank of the Lake $962,637 $5,359 2.07% 83.24% 45.41% $141 ($1,488) (1.01%) (25.26%) 86.79% $108 Wood & Huston Bank $984,328 $6,099 2.54% 24.88% 46.28% $72 $7,181 1.82% 16.59% 58.54% $70 Citizens Bank and Trust Company $999,616 $2,283 0.90% 8.93% 88.15% $77 $376 0.08% 0.76% 80.56% $73

State Average of Asset Group C $710,043 $2,718 1.54% 16.88% 54.99% $92 $3,595 1.33% 11.42% 58.65% $84

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Performance Page 45 of 73 Performance Analysis June 30, 2021 Run Date: August 13, 2021

As of Date Quarter to Date Year to Date

Asset Group D - Over $1 billion in total assets

Southwest Missouri Bank $1,024,182 $2,354 0.92% 11.76% 68.66% $83 $3,957 0.96% 10.49% 71.43% $75 Central Bank of Lake of the Ozarks $1,117,663 $3,028 1.12% 13.94% 62.18% $79 $6,830 1.65% 18.56% 54.47% $67 Montgomery Bank $1,156,626 $2,835 0.97% 12.83% 70.40% $76 $5,266 1.08% 12.57% 68.94% $71 Guaranty Bank $1,195,864 $3,082 1.02% 10.43% 62.72% $75 $4,749 0.90% 8.78% 65.92% $69 Cass Commercial Bank $1,215,799 $4,404 1.41% 10.59% 45.53% $134 $8,035 1.57% 10.94% 40.24% $137 The Nodaway Valley Bank $1,275,753 $4,296 1.34% 13.32% 62.49% $93 $10,885 2.19% 16.20% 53.52% $93 Sterling Bank $1,391,638 $6,247 1.82% 16.18% 41.59% $80 $9,407 1.50% 12.61% 48.01% $87 OakStar Bank $1,686,947 $6,371 1.53% 16.43% 60.74% $109 $4,372 0.80% 7.51% 69.32% $105 Hawthorn Bank $1,700,837 $5,412 1.26% 11.93% 60.67% $83 $5,418 0.69% 6.51% 65.37% $76 Central Bank of the Ozarks $1,845,866 $6,320 1.37% 15.01% 56.90% $80 $8,871 1.17% 12.76% 61.81% $71 Academy Bank, N.A. $2,232,696 $9,584 1.69% 10.48% 62.14% $84 $3,078 0.28% 2.26% 73.36% $84 Country Club Bank $2,283,313 $9,053 1.58% 19.03% 70.82% $153 $10,512 1.22% 13.14% 73.99% $134 Midwest BankCentre $2,325,016 $5,512 0.95% 9.16% 67.21% $127 $6,286 0.58% 6.06% 75.08% $110 Central Bank of St. Louis $2,492,701 $9,903 1.60% 16.51% 52.43% $139 $17,587 1.62% 15.09% 51.22% $117 The Bank of Missouri $2,648,288 $10,285 1.57% 13.75% 59.24% $94 $16,788 1.78% 14.11% 54.09% $88 Central Bank of Boone County $2,680,712 $8,341 1.25% 15.25% 54.61% $77 $14,820 1.41% 15.37% 53.01% $71 Southern Bank $2,687,535 $13,903 2.05% 19.98% 49.28% $68 $13,322 1.10% 10.65% 55.74% $65 First State Community Bank $3,576,966 $13,421 1.50% 14.47% 55.12% $71 $21,340 1.56% 13.05% 57.51% $67 The Central Trust Bank $3,713,456 $11,061 1.17% 16.51% 69.04% $93 $19,517 1.30% 17.80% 63.68% $81 Central Bank of the Midwest $4,017,904 $11,467 1.15% 9.00% 54.01% $78 $16,304 1.11% 8.41% 56.27% $63 Stifel Bank $4,584,644 $17,797 1.54% 22.91% 23.94% $204 $14,925 1.17% 17.31% 32.93% $233 Great Southern Bank $5,580,774 $22,423 1.61% 13.09% 51.94% $68 $31,276 1.20% 9.29% 54.57% $64 First Bank $6,728,147 $13,082 0.77% 8.11% 69.25% $107 $25,947 0.81% 7.81% 65.54% $104 Enterprise Bank & Trust $10,311,563 $40,722 1.59% 13.57% 48.04% $118 $31,604 0.82% 6.49% 45.52% $105

State Average of Asset Group D $2,894,787 $10,038 1.37% 13.93% 57.46% $99 $12,962 1.19% 11.41% 58.81% $93

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Performance Page 46 of 73 Balance Sheet & Net Interest Margin Balance Sheet & Net Interest Margin June 30, 2021 Run Date: August 13, 2021

Summary Trends of Historical Asset Group Averages: Yield on Earning Assets & Net Interest Margin (FTE)

Asset Group A ‐ $0 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets Year‐to‐Date Year‐to‐Date 5.00% 6.00%

4.50% 5.00% 4.00%

3.50% 4.00% 3.00%

2.50% 3.00%

2.00% 2.00% 1.50%

1.00% 1.00% 0.50%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Yield on Earning Assets 4.61% 4.66% 4.68% 4.52% 4.43% 4.25% 4.21% 4.51% 4.39% Yield on Earning Assets 4.74% 4.84% 5.16% 4.99% 4.85% 4.68% 4.22% 4.53% 4.54% Net Interest Margin (FTE) 3.85% 3.88% 3.90% 3.76% 3.74% 3.63% 3.62% 3.76% 3.72% Net Interest Margin (FTE) 3.87% 3.94% 4.23% 4.18% 4.16% 4.03% 3.63% 3.77% 3.84%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ Over $1 billion in Total Assets Year‐to‐Date Year‐to‐Date 6.00% 5.00%

4.50% 5.00% 4.00%

3.50% 4.00% 3.00%

3.00% 2.50%

2.00% 2.00% 1.50%

1.00% 1.00% 0.50%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Yield on Earning Assets 4.67% 4.87% 4.72% 4.49% 4.64% 4.39% 4.70% 5.28% 4.97% Yield on Earning Assets 4.56% 4.58% 4.55% 4.27% 4.01% 3.85% 3.76% 4.26% 4.01% Net Interest Margin (FTE) 3.68% 3.89% 3.76% 3.60% 3.85% 3.67% 4.05% 4.31% 4.14% Net Interest Margin (FTE) 3.60% 3.59% 3.64% 3.49% 3.38% 3.27% 3.26% 3.47% 3.45%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-BS & NIM Graph Page 48 of 73 Balance Sheet & Net Interest Margin June 30, 2021 Run Date: August 13, 2021

Summary Trends of Historical Asset Group Averages: Asset Growth Rate & Deposit Growth Rate

Asset Group A ‐ $0 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets Year‐to‐Date Year‐to‐Date 25.00% 35.00%

30.00% 20.00% 25.00%

15.00% 20.00%

15.00% 10.00%

10.00% 5.00% 5.00%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Asset Growth Rate 4.67% 5.59% 5.88% 7.43% 21.86% 16.82% 16.88% 8.20% 21.57% Asset Growth Rate 6.19% 5.82% 7.44% 10.72% 30.06% 22.42% 20.70% 5.13% 26.39% Deposit Growth Rate 4.15% 4.71% 5.93% 8.21% 22.89% 17.44% 18.69% 8.49% 22.18% Deposit Growth Rate 6.63% 6.02% 7.89% 7.39% 29.43% 22.76% 22.03% 3.95% 27.06%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ Over $1 billion in Total Assets Year‐to‐Date Year‐to‐Date 60.00% 40.00%

35.00% 50.00% 30.00% 40.00% 25.00%

30.00% 20.00%

15.00% 20.00% 10.00% 10.00% 5.00%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Asset Growth Rate 5.79% 6.11% 7.81% 6.13% 57.00% 44.55% 35.66% 10.95% 55.98% Asset Growth Rate 6.60% 7.58% 10.38% 13.75% 34.05% 25.26% 24.75% 12.91% 33.36% Deposit Growth Rate 7.62% 6.89% 8.30% 5.75% 26.41% 23.71% 24.31% 8.95% 31.04% Deposit Growth Rate 5.24% 6.35% 10.20% 12.45% 36.81% 27.83% 28.34% 12.44% 35.02%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-BS & NIM Graph Page 49 of 73 Balance Sheet & Net Interest Margin June 30, 2021 Run Date: August 13, 2021

As of Date Year to Date

Total Lns & Leases Total Deposits Loans/Deposits Liquidity Ratio Assets/Employees Yield on Earning Cost of Interest Net Interest Asset Growth Deposit Growth Total Assets ($000) ($000) ($000) (%) (%) ($000) Assets (%) Bearing Liab (%) Cost of Funds (%) Margin (FTE) (%) Rate (%) Rate (%) Region Institution Name

Asset Group A - $0 to $250 million in total assets

The Corder Bank $23,826 $11,262 $21,549 52.26% 54.91% $4,765 4.48% 0.78% 0.75% 3.92% 24.17% 26.52% Bank of New Cambria $37,125 $10,982 $32,644 33.64% 72.39% $4,641 3.55% 0.40% 0.29% 3.24% 15.13% 16.64% America's Community Bank $37,204 $29,977 $33,371 89.83% 19.58% $4,651 5.36% 1.54% 1.27% 4.20% 13.43% 15.21% The State Bank $42,127 $14,692 $38,786 37.88% 59.39% $4,681 3.69% 0.21% 0.16% 3.57% 21.20% 21.53% First Security Bank $44,321 $30,516 $40,766 74.86% 16.53% $4,432 4.46% 0.38% 0.31% 4.20% 24.59% 24.50% La Monte Community Bank $44,560 $23,348 $41,052 56.87% 33.85% $6,366 3.93% 0.75% 0.60% 3.38% 24.62% 27.69% The Bank of Orrick $45,291 $12,977 $41,506 31.27% 61.74% $5,661 3.79% 0.27% 0.22% 3.59% 24.74% 26.12% FMB Bank $46,460 $14,312 $42,113 33.98% 45.35% $4,224 4.43% 0.88% 0.61% 3.83% 31.61% 37.69% Montrose Savings Bank $53,062 $30,281 $45,646 66.34% 40.55% $5,896 4.59% 0.67% 0.53% 4.16% 14.59% 15.77% The Bank of Houston $55,821 $41,852 $43,230 96.81% 21.37% $2,791 4.04% 0.41% 0.32% 3.73% 85.28% 52.96% Community Bank of Memphis $57,260 $27,139 $50,289 53.97% 53.76% $5,205 4.25% 0.99% 0.76% 3.48% 29.49% 34.08% Bank of Louisiana $58,111 $30,696 $51,177 59.98% 32.94% $4,470 4.36% 1.01% 0.82% 3.64% 24.44% 25.84% Sherwood Community Bank $63,096 $32,391 $57,552 56.28% 41.85% $3,321 4.28% 0.46% 0.37% 4.02% 37.03% 40.62% Tri-County Trust Company $63,097 $40,346 $54,535 73.98% 30.02% $7,011 5.05% 1.42% 1.20% 4.15% 13.02% 13.90% Kahoka State Bank $64,118 $31,296 $58,326 53.66% 43.15% $3,772 4.30% 1.20% 1.00% 3.23% 19.10% 20.32% Bank of Iberia $65,026 $31,604 $58,774 53.77% 51.14% $3,825 4.62% 0.69% 0.58% 4.08% 12.93% 13.19% Peoples Bank of Moniteau County $68,552 $35,709 $56,236 63.50% 46.20% $5,713 4.03% 1.48% 1.17% 2.95% 14.20% 12.93% 1st Cameron State Bank $69,815 $19,637 $52,420 37.46% 58.19% $5,818 2.95% 0.30% 0.24% 2.73% 48.73% 17.34% FarmBank $70,868 $45,487 $58,022 78.40% 15.89% $3,730 5.21% 1.64% 1.48% 3.82% 23.44% 13.03% Bank of Billings $74,590 $56,853 $64,855 87.66% 19.53% $3,552 5.67% 0.99% 0.64% 5.01% 14.30% 27.18% Peoples Bank of Altenburg $74,934 $42,535 $64,589 65.85% 40.63% $6,245 4.45% 0.92% 0.63% 3.88% 19.62% 21.16% LimeBank $76,449 $56,000 $66,758 83.89% 20.03% $2,940 6.02% 1.05% 0.86% 5.24% 30.01% 33.45% Community Bank of Missouri $76,860 $47,045 $67,636 69.56% 35.97% $4,270 5.38% 0.49% 0.38% 5.08% 27.16% 30.12% Neighbors Bank $77,436 $26,589 $65,095 40.85% 71.72% $448 2.67% 1.05% 0.83% 1.97% 242.61% 259.23% Farmers Bank of Lohman $79,293 $20,674 $67,129 30.80% 79.66% $7,929 2.94% 0.74% 0.60% 2.53% 17.52% 17.48% Investors Community Bank $82,963 $24,916 $70,704 35.24% 74.04% $5,185 3.73% 0.78% 0.60% 3.54% 11.40% 17.14% The Citizens Bank of Edina $83,774 $56,824 $73,497 77.31% 31.41% $6,981 5.11% 0.83% 0.61% 4.56% 7.27% 16.34% United Security Bank $84,427 $45,309 $74,851 60.53% 39.24% $6,494 4.65% 1.03% 0.81% 4.08% 7.99% 13.75% Silex Banking Company $91,431 $38,895 $79,156 49.14% 54.28% $8,312 3.54% 0.64% 0.51% 3.17% 11.17% 12.96% Senath State Bank $93,382 $46,897 $80,616 58.17% 51.79% $4,915 4.87% 0.79% 0.56% 4.28% 4.20% 5.47% TPNB Bank $93,972 $39,837 $77,772 51.22% 36.86% $6,265 3.58% 0.75% 0.68% 3.12% 3.74% 6.81% Connections Bank $94,622 $75,314 $82,170 91.66% 15.11% $4,301 5.44% 1.43% 1.25% 4.24% 11.65% 12.36% Alton Bank $94,924 $50,795 $80,698 62.94% 28.29% $4,520 4.97% 1.55% 1.34% 3.85% 17.48% 26.86% Metz Banking Company $96,457 $52,149 $86,478 60.30% 44.59% $6,890 4.43% 1.36% 0.99% 3.55% 28.49% 31.67% Concordia Bank $98,359 $67,442 $88,606 76.11% 26.47% $4,684 4.83% 0.61% 0.47% 4.37% 48.34% 53.82% Community State Bank $98,706 $57,041 $81,247 70.21% 26.64% $6,169 4.65% 1.04% 0.82% 3.93% 11.90% 8.35% The Hamilton Bank $101,510 $45,638 $91,971 49.62% 46.25% $5,971 4.60% 0.68% 0.52% 4.26% 27.79% 29.10% Commercial Bank of Oak Grove $103,985 $57,107 $91,217 62.61% 34.69% $6,932 3.98% 1.12% 1.06% 3.07% 18.96% 21.81% HomePride Bank $105,065 $71,732 $95,240 75.32% 24.13% $2,694 4.67% 1.24% 0.96% 3.71% 20.78% 27.84% Bank of Brookfield-Purdin National Association $105,260 $22,931 $84,681 27.08% 71.07% $5,540 3.21% 0.77% 0.64% 2.70% 14.21% 14.74% Security Bank of Southwest Missouri $107,897 $67,541 $97,036 69.60% 33.28% $3,597 5.13% 0.97% 0.63% 4.53% 20.06% 22.54% The Bank of Grain Valley $107,987 $66,246 $86,474 76.61% 38.88% $7,199 4.32% 0.41% 0.28% 4.11% 19.70% 23.58% Citizens Bank of Rogersville $108,808 $84,685 $94,302 89.80% 17.05% $4,946 4.91% 1.24% 0.98% 4.01% 10.27% 32.32%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-BS & NIM Page 50 of 73 Balance Sheet & Net Interest Margin June 30, 2021 Run Date: August 13, 2021

As of Date Year to Date

Asset Group A - $0 to $250 million in total assets (continued)

Citizens Bank & Trust $112,278 $47,933 $95,584 50.15% 31.39% $5,614 3.24% 0.40% 0.32% 2.98% (2.84%) (4.09%) The Merchants and Farmers Bank of Salisbury $112,934 $54,939 $103,276 53.20% 39.47% $3,529 4.09% 0.78% 0.49% 3.56% (3.32%) (4.76%) The First National Bank of Nevada $114,749 $46,194 $98,985 46.67% 66.74% $6,750 3.82% 0.77% 0.58% 3.39% 10.31% 8.96% Community Bank of Pleasant Hill $118,148 $32,497 $108,542 29.94% 72.75% $7,384 3.95% 0.30% 0.21% 3.76% 60.60% 46.83% Kennett Trust Bank $119,560 $67,213 $104,313 64.43% 40.21% $5,435 4.16% 1.47% 0.98% 3.32% (4.27%) (6.83%) Peoples Bank of Wyaconda $119,620 $71,858 $107,018 67.15% 27.62% $4,601 4.47% 1.24% 1.04% 3.47% 4.84% 6.60% First Independent Bank $120,417 $56,621 $107,971 52.44% 54.47% $4,631 4.04% 1.09% 0.81% 3.31% 20.73% 21.86% The Mercantile Bank of Louisiana, Missouri $123,174 $75,294 $98,189 76.68% 41.22% $5,355 4.41% 0.81% 0.63% 3.90% 14.78% 27.27% Bank of New Madrid $123,665 $51,132 $110,456 46.29% 35.16% $4,264 4.20% 0.95% 0.66% 3.89% 8.44% 8.93% Citizens Community Bank $123,915 $72,313 $109,682 65.93% 34.40% $5,388 4.07% 1.37% 0.79% 3.27% 14.81% 16.25% Bank of Salem $125,138 $63,650 $110,211 57.75% 24.66% $5,006 3.91% 0.63% 0.51% 3.51% 23.35% 18.28% County Bank $125,202 $68,957 $114,273 60.34% 39.79% $5,962 4.66% 0.60% 0.43% 4.23% 28.55% 31.40% New Frontier Bank $125,603 $85,852 $112,492 76.32% 23.09% $5,981 5.27% 1.31% 1.01% 4.31% 29.77% 29.13% Jonesburg State Bank $127,671 $75,342 $117,104 64.34% 41.38% $5,107 4.47% 0.75% 0.56% 3.96% 22.79% 25.03% Community Bank of El Dorado Springs $127,804 $51,210 $109,252 46.87% 64.22% $7,518 3.79% 1.14% 0.99% 2.98% 14.91% 16.27% Security Bank of Pulaski County $128,421 $77,343 $114,921 67.30% 15.05% $4,143 4.84% 1.10% 0.86% 4.09% 5.41% 5.70% State Bank of Missouri $128,606 $61,308 $117,690 52.09% 38.74% $4,763 3.81% 0.50% 0.41% 3.49% 21.00% 21.31% Table Rock Community Bank $128,639 $71,329 $118,345 60.27% 38.22% $5,146 4.89% 0.63% 0.53% 4.38% 28.65% 31.39% Security Bank of the Ozarks $130,763 $76,852 $120,229 63.92% 26.68% $2,515 5.52% 0.82% 0.59% 4.97% 25.38% 28.05% 1st Advantage Bank $133,041 $114,411 $113,593 100.72% 12.73% $7,391 4.44% 1.54% 1.20% 3.35% 28.35% 21.70% Northeast Missouri State Bank $135,452 $51,100 $117,444 43.51% 56.04% $9,030 4.05% 1.02% 0.77% 3.46% 16.40% 20.08% First Community Bank of the Ozarks $136,044 $87,106 $108,557 80.24% 25.44% $4,691 4.34% 1.04% 0.85% 3.54% (16.14%) (13.11%) Preferred Bank $140,500 $41,700 $129,697 32.15% 58.55% $5,404 3.10% 0.51% 0.36% 2.87% 17.33% 15.36% Bank of Monticello $140,683 $77,842 $120,838 64.42% 32.60% $5,024 5.09% 1.10% 0.93% 4.26% 1.17% (0.43%) First Midwest Bank of the Ozarks $143,060 $88,507 $125,117 70.74% 26.90% $4,615 5.08% 1.19% 1.03% 4.09% 25.56% 29.74% Chillicothe State Bank $145,103 $69,126 $132,298 52.25% 51.38% $5,804 3.81% 0.71% 0.50% 3.31% 13.71% 13.15% Bank of Crocker $146,388 $45,998 $130,298 35.30% 54.87% $4,066 3.45% 0.76% 0.60% 3.00% 20.02% 20.49% Independent Farmers Bank $147,803 $63,653 $131,709 48.33% 36.90% $4,768 4.77% 0.92% 0.76% 4.20% 2.46% 0.59% Meramec Valley Bank $148,032 $112,005 $128,484 87.17% 21.44% $5,694 4.59% 1.15% 0.93% 3.71% 50.91% 36.87% Home Exchange Bank $148,555 $59,616 $125,569 47.48% 45.62% $7,819 3.52% 1.18% 0.99% 2.58% 1.46% (20.82%) Clay County Savings Bank $149,347 $84,226 $137,100 61.43% 40.92% $4,267 3.84% 0.50% 0.41% 3.43% 57.44% 66.77% Community Point Bank $155,097 $106,613 $139,974 76.17% 25.45% $6,462 4.34% 1.64% 1.45% 3.01% 11.83% 11.25% St. Clair County State Bank $173,521 $112,706 $150,146 75.06% 26.45% $5,784 4.93% 1.27% 1.07% 4.03% 9.46% 9.85% First Community National Bank $157,327 $68,752 $144,675 47.52% 48.25% $2,420 4.06% 0.81% 0.44% 3.64% 28.75% 31.11% Bank 21 $159,164 $129,288 $134,697 95.98% 14.54% $4,421 4.54% 1.54% 1.21% 3.38% 18.10% 20.90% The Tipton Latham Bank, National Association $161,162 $103,247 $143,363 72.02% 36.00% $8,058 4.49% 1.68% 1.41% 3.17% 12.53% 9.09% The Citizens-Farmers Bank of Cole Camp $161,244 $91,895 $136,209 67.47% 32.34% $5,560 4.22% 1.19% 0.97% 3.47% 14.76% 15.60% F&M Bank and Trust Company $162,280 $98,909 $147,418 67.09% 21.75% $4,637 4.11% 0.70% 0.56% 3.59% 6.41% 5.60% Progressive Ozark Bank $163,359 $115,419 $147,708 78.14% 25.68% $2,917 4.97% 0.40% 0.30% 4.69% 36.27% 40.72% Citizens' Bank of Charleston $164,181 $95,201 $136,684 69.65% 43.34% $7,463 4.26% 0.98% 0.79% 3.63% 3.93% 2.16% Commercial Trust Company of Fayette $169,520 $95,845 $144,251 66.44% 39.87% $6,054 3.81% 0.85% 0.71% 3.18% 18.16% 11.52% Bank Star $170,905 $139,606 $146,729 95.15% 4.85% $5,179 5.51% 0.90% 0.63% 4.89% 23.77% 27.30% Carroll County Trust Company of Carrollton, Missouri $174,919 $62,976 $143,320 43.94% 47.90% $6,728 3.67% 1.13% 0.94% 2.90% 5.00% (1.61%) Citizens Bank of the Midwest $175,189 $107,361 $159,321 67.39% 24.39% $3,982 4.67% 1.39% 1.11% 3.50% 14.35% 15.39%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-BS & NIM Page 51 of 73 Balance Sheet & Net Interest Margin June 30, 2021 Run Date: August 13, 2021

As of Date Year to Date

Asset Group A - $0 to $250 million in total assets (continued)

Adrian Bank $175,221 $91,161 $154,958 58.83% 42.33% $5,476 4.53% 0.76% 0.59% 4.10% 21.82% 23.55% The Cornerstone Bank $178,074 $119,711 $156,190 76.64% 30.29% $3,298 5.98% 1.61% 1.28% 4.89% 21.46% 23.80% Heritage Community Bank $179,674 $151,032 $159,862 94.48% 11.60% $4,607 5.05% 1.52% 1.29% 3.83% 19.68% 23.49% State Bank of Southwest Missouri $184,971 $120,465 $162,708 74.04% 27.24% $7,114 3.47% 0.58% 0.45% 3.04% 43.66% 43.45% First Missouri State Bank of Cape County $186,861 $142,748 $164,754 86.64% 18.63% $5,050 4.19% 1.41% 1.21% 3.04% 10.51% 12.72% Bank of Saint Elizabeth $188,320 $141,207 $157,604 89.60% 24.87% $5,090 5.64% 1.24% 0.94% 4.75% 36.43% 32.07% Citizens Bank $190,065 $122,415 $176,383 69.40% 30.21% $4,420 5.48% 0.85% 0.59% 4.90% 24.23% 26.41% First State Bank of Purdy $192,461 $124,407 $166,661 74.65% 26.52% $4,374 4.88% 0.93% 0.61% 4.33% 26.95% 26.96% Bank of Weston $193,862 $113,891 $179,957 63.29% 31.08% $5,385 4.30% 0.69% 0.50% 3.83% 31.08% 33.28% Bank of Grandin $194,721 $107,430 $165,553 64.89% 34.42% $5,263 5.08% 1.80% 1.60% 3.77% 13.06% 14.50% Bank Northwest $195,983 $131,435 $178,265 73.73% 24.44% $4,900 5.59% 1.03% 0.67% 4.98% 8.06% 10.92% The Seymour Bank $197,928 $104,889 $177,038 59.25% 31.98% $3,959 4.99% 1.37% 1.12% 4.04% 7.61% 8.67% Citizens Bank of Eldon $198,192 $134,175 $175,047 76.65% 32.73% $6,006 4.79% 0.86% 0.61% 4.23% 18.98% 22.76% Alliant Bank $202,124 $128,414 $181,747 70.66% 34.14% $4,125 4.83% 1.13% 0.81% 4.06% 15.43% 15.75% Community Bank of Marshall $204,044 $82,900 $183,712 45.12% 45.48% $5,830 3.41% 0.93% 0.80% 2.71% 5.27% 3.91% First Missouri Bank of SEMO $205,246 $169,565 $186,358 90.99% 15.09% $3,947 4.55% 0.98% 0.74% 3.88% (8.14%) (6.46%) Exchange Bank of Northeast Missouri $209,982 $112,084 $186,205 60.19% 39.83% $4,468 4.51% 1.37% 1.07% 3.50% 32.06% 35.23% First Missouri State Bank $212,263 $163,366 $190,343 85.83% 17.09% $6,847 4.79% 1.33% 1.16% 3.65% 9.38% 15.20% Lamar Bank and Trust Company $218,695 $133,911 $192,848 69.44% 37.85% $6,248 4.45% 0.59% 0.49% 4.00% 14.29% 12.94% Goppert Financial Bank $220,156 $114,817 $192,966 59.50% 32.14% $5,504 4.00% 0.67% 0.48% 3.55% 11.51% 11.67% Paramount Bank $225,237 $131,311 $192,650 68.16% 40.70% $1,198 3.52% 1.94% 1.88% 1.68% 128.54% 135.50% Central Bank of Audrain County $231,116 $86,152 $205,528 41.92% 40.18% $10,049 3.16% 0.53% 0.32% 2.84% 0.41% (2.82%) Heritage Bank of the Ozarks $233,017 $168,286 $204,249 82.39% 13.82% $4,397 4.78% 1.20% 0.95% 3.88% 16.54% 20.91% Central Bank of Moberly $238,261 $101,382 $208,078 48.72% 29.73% $8,824 3.27% 0.47% 0.30% 2.96% 16.88% 15.24% Century Bank of the Ozarks $239,696 $165,531 $211,855 78.13% 27.13% $3,866 5.51% 0.67% 0.50% 5.03% 24.16% 20.92% United State Bank $245,880 $150,558 $223,497 67.36% 33.33% $4,639 4.89% 1.11% 0.95% 4.00% 14.30% 10.02% Community First Banking Company $248,964 $152,908 $218,965 69.83% 27.70% $6,224 4.23% 0.91% 0.80% 3.55% 34.59% 39.30% Midwest Independent BankersBank $249,707 $160,000 $202,984 78.82% 37.17% $6,749 2.57% 2.93% 0.41% 2.25% (11.99%) (17.64%)

State Average of Asset Group A $132,711 $76,457 $116,535 63.95% 36.59% $5,245 4.39% 0.98% 0.75% 3.72% 21.57% 22.18%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-BS & NIM Page 52 of 73 Balance Sheet & Net Interest Margin June 30, 2021 Run Date: August 13, 2021

As of Date Year to Date

Asset Group B - $251 to $500 million in total assets

Peoples Bank $251,219 $148,040 $223,089 66.36% 23.63% $4,740 4.63% 0.81% 0.63% 4.13% 18.67% 20.96% FortuneBank $253,099 $212,057 $219,552 96.59% 10.83% $4,440 5.65% 1.75% 1.56% 4.19% 58.99% 77.00% Community First Bank $258,655 $160,401 $236,259 67.89% 33.49% $6,158 4.92% 1.11% 1.08% 4.06% 30.93% 32.26% O'Bannon Banking Company $261,801 $185,628 $235,661 78.77% 22.99% $4,437 4.96% 1.32% 1.09% 3.95% 21.94% 28.25% Putnam County State Bank $262,536 $191,396 $219,327 87.27% 28.08% $11,415 4.98% 2.03% 1.78% 3.39% 10.04% 8.18% Kearney Trust Company $268,639 $124,265 $244,032 50.92% 49.06% $7,462 3.91% 0.57% 0.42% 3.57% 27.46% 29.39% Commercial Bank $273,766 $158,466 $243,752 65.01% 41.02% $7,020 3.79% 0.99% 0.68% 3.16% 42.62% 46.36% Citizens Bank $273,927 $186,908 $233,023 80.21% 30.91% $4,806 4.47% 1.33% 0.98% 3.63% 24.14% 28.15% Farmers and Merchants Bank of St. Clair $282,102 $181,329 $249,674 72.63% 25.41% $4,408 3.99% 0.92% 0.73% 3.34% 27.81% 32.28% Pony Express Bank $283,043 $213,905 $259,044 82.57% 22.92% $9,130 4.84% 0.63% 0.37% 4.53% 25.45% 29.25% F & C Bank $283,274 $229,264 $249,417 91.92% 12.82% $5,150 5.62% 0.67% 0.67% 5.10% 19.30% 28.91% Community State Bank of Missouri $285,063 $186,543 $251,074 74.30% 17.62% $6,065 3.81% 0.88% 0.71% 3.18% 17.41% 17.32% Exchange Bank of Missouri $285,360 $190,722 $253,191 75.33% 27.24% $6,071 5.48% 1.61% 1.29% 4.15% 20.90% 25.25% Ozark Bank $303,975 $208,184 $272,131 76.50% 18.57% $5,066 4.28% 0.86% 0.76% 3.58% (4.59%) (6.21%) Branson Bank $304,707 $219,050 $269,001 81.43% 23.61% $4,481 4.42% 0.91% 0.66% 3.81% 29.90% 30.96% Bank of Versailles $306,544 $240,029 $249,882 96.06% 24.01% $7,299 3.87% 0.90% 0.79% 3.16% 15.51% 8.60% Farmers State Bank $307,429 $213,339 $279,455 76.34% 29.68% $4,730 4.35% 0.63% 0.53% 3.88% 27.06% 29.20% Bloomsdale Bank $308,047 $166,737 $281,460 59.24% 29.98% $5,924 4.82% 0.95% 0.71% 4.23% 61.17% 39.94% Alliance Bank $314,735 $241,514 $262,941 91.85% 18.77% $4,628 4.96% 1.04% 0.86% 4.16% 23.11% 28.90% Bank of Franklin County $322,254 $224,262 $290,908 77.09% 24.20% $5,035 5.11% 1.17% 0.98% 4.20% 27.88% 30.37% Wells Bank $326,954 $231,481 $298,800 77.47% 27.21% $6,169 5.07% 0.65% 0.50% 4.60% 12.91% 13.48% Bank of Odessa $329,750 $241,934 $276,300 87.56% 14.82% $8,678 4.59% 1.38% 1.15% 3.61% 21.82% 25.27% Central Bank of Kansas City $335,534 $211,180 $283,912 74.38% 39.04% $3,728 4.63% 0.83% 0.22% 4.44% 19.58% 17.83% MA Bank $335,885 $159,302 $297,448 53.56% 26.74% $5,089 4.04% 1.17% 0.93% 3.29% 13.03% 12.71% People's Bank of Seneca $338,379 $246,008 $298,581 82.39% 18.43% $9,145 5.00% 1.04% 1.17% 4.10% 23.65% 12.67% Belgrade State Bank $341,181 $248,628 $309,158 80.42% 24.12% $3,967 5.58% 1.17% 1.01% 4.62% 29.29% 31.00% Central Bank of Warrensburg $343,420 $180,916 $294,425 61.45% 23.09% $7,466 3.39% 0.61% 0.27% 3.10% 26.66% 30.90% Saint John's Bank and Trust Company $344,650 $219,604 $313,771 69.99% 28.98% $4,535 3.94% 0.28% 0.17% 3.77% 24.48% 26.68% First Missouri Bank $365,256 $293,137 $324,032 90.47% 17.78% $5,891 4.63% 1.28% 1.06% 3.69% 37.28% 41.96% Community Bank of Raymore $383,939 $131,553 $352,323 37.34% 46.05% $8,929 3.93% 0.35% 0.25% 3.76% 40.59% 27.87% UNICO Bank $396,025 $324,994 $363,735 89.35% 10.16% $3,094 4.79% 1.56% 1.23% 3.57% 15.71% 16.30% The Missouri Bank $396,372 $212,096 $339,518 62.47% 30.36% $5,215 5.24% 1.20% 0.82% 4.63% 96.64% 92.50% Community Bank and Trust $404,521 $172,386 $355,654 48.47% 47.46% $3,371 3.21% 0.06% 0.03% 3.20% 29.30% 35.13% The Bank of Advance $410,073 $291,439 $356,378 81.78% 18.98% $5,191 5.34% 1.19% 0.98% 4.52% 12.50% 12.10% New Era Bank $428,210 $220,735 $381,672 57.83% 38.66% $6,031 3.77% 0.62% 0.66% 3.23% 44.72% 50.83% First Midwest Bank of Dexter $428,258 $360,975 $381,042 94.73% 13.60% $4,812 5.57% 1.15% 1.07% 4.64% 36.04% 44.66% Peoples Savings Bank of Rhineland $432,478 $308,384 $394,390 78.19% 14.55% $4,753 4.41% 0.96% 0.71% 3.75% 28.35% 28.44% United Bank of Union $448,844 $323,675 $378,475 85.52% 11.98% $5,682 4.41% 0.99% 0.87% 3.63% 28.50% 28.38% First State Bank and Trust Company, Inc. $449,285 $272,205 $385,368 70.64% 27.13% $5,413 4.61% 0.86% 0.58% 4.06% 21.27% 13.53% HOMEBANK $456,083 $345,642 $402,129 85.95% 15.92% $3,563 4.88% 1.04% 0.88% 4.05% 12.09% 8.93% First State Bank of St. Charles, Missouri $462,945 $295,563 $384,096 76.95% 33.95% $1,978 4.03% 1.41% 1.04% 3.15% 38.86% 32.97% Bank of Kirksville $463,979 $137,349 $399,811 34.35% 43.89% $6,356 2.74% 0.99% 0.79% 2.04% 6.68% 5.05% The Callaway Bank $467,242 $334,806 $400,627 83.57% 14.51% $7,787 4.45% 0.92% 0.60% 3.81% 25.83% 37.18% Legends Bank $471,858 $304,781 $401,460 75.92% 22.80% $5,424 4.42% 0.62% 0.48% 4.02% 22.53% 22.25% Farmers Bank of Northern Missouri $473,784 $221,839 $410,515 54.04% 42.47% $5,922 4.30% 0.92% 0.64% 3.78% 13.34% 13.71% Phelps County Bank $484,043 $247,913 $425,244 58.30% 35.72% $5,042 4.09% 0.35% 0.26% 3.81% 26.05% 21.81% First Midwest Bank of Poplar Bluff $491,395 $415,161 $438,756 94.62% 12.16% $5,119 5.25% 1.31% 1.14% 4.16% 18.61% 14.09% Regional Missouri Bank $497,880 $305,740 $438,129 69.78% 30.54% $5,594 4.73% 1.04% 0.58% 4.09% 14.54% 15.28%

State Average of Asset Group B $358,300 $232,114 $314,763 74.29% 25.96% $5,675 4.54% 0.98% 0.78% 3.84% 26.39% 27.06%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-BS & NIM Page 53 of 73 Balance Sheet & Net Interest Margin June 30, 2021 Run Date: August 13, 2021

As of Date Year to Date

Asset Group C - $501 million to $1 billion in total assets

American Bank of Missouri $526,388 $446,647 $412,672 108.23% 9.68% $5,914 5.00% 1.85% 1.78% 3.47% 37.18% 24.18% Mid America Bank $535,436 $421,007 $440,529 95.57% 15.62% $6,085 4.20% 0.97% 0.69% 3.61% 58.40% 68.60% MRV Banks $540,612 $456,378 $473,203 96.44% 12.62% $10,396 4.68% 1.30% 0.84% 3.87% (34.11%) (51.18%) Freedom Bank of Southern Missouri $551,445 $364,217 $488,076 74.62% 31.09% $5,866 4.79% 1.29% 1.17% 3.68% 133.49% 147.07% The Bank of Old Monroe $554,114 $286,485 $457,309 62.65% 41.57% $7,291 5.16% 0.81% 0.52% 4.70% 40.64% 33.23% Central Bank of Branson $560,023 $264,298 $474,857 55.66% 39.43% $9,033 3.81% 0.52% 0.27% 3.51% 21.12% 24.59% The Maries County Bank $564,591 $277,163 $471,180 58.82% 34.32% $3,921 4.66% 0.95% 0.82% 4.01% 15.31% 15.89% Central Bank of Sedalia $566,035 $289,715 $496,625 58.34% 30.37% $7,972 3.89% 0.64% 0.41% 3.46% 37.27% 41.71% West Plains Bank and Trust Company $573,800 $310,099 $516,934 59.99% 31.70% $6,104 4.24% 0.81% 0.71% 3.66% 36.67% 41.12% M1 Bank $577,632 $421,576 $527,520 79.92% 25.52% $25,114 5.14% 1.65% 1.52% 3.68% 53.70% 58.35% Peoples Community Bank $607,278 $396,590 $501,615 79.06% 25.58% $4,217 5.48% 1.17% 1.04% 4.75% 19.44% 27.33% Triad Bank $610,004 $525,818 $463,436 113.46% 10.86% $12,708 4.57% 1.27% 0.83% 3.67% 72.99% 59.75% CNB St. Louis Bank $650,843 $465,162 $563,488 82.55% 19.98% $7,481 4.32% 1.03% 0.81% 3.62% 26.53% 30.86% HNB National Bank $658,787 $372,750 $575,561 64.76% 34.65% $4,916 4.44% 0.72% 0.48% 3.98% 19.58% 22.54% Sullivan Bank $664,174 $570,043 $576,173 98.94% 9.08% $5,313 4.52% 1.19% 1.01% 3.59% 21.60% 17.38% Legacy Bank & Trust Company $666,398 $549,450 $577,953 95.07% 14.31% $7,089 5.39% 0.97% 0.86% 4.58% 97.23% 74.47% Saint Louis Bank $673,199 $492,646 $618,163 79.70% 20.28% $8,522 4.45% 1.23% 0.98% 3.48% 73.10% 36.56% Peoples Bank & Trust Co. $684,101 $292,051 $611,066 47.79% 35.58% $5,797 4.06% 1.08% 0.84% 3.37% 26.19% 26.76% Old Missouri Bank $686,315 $636,966 $576,984 110.40% 3.57% $6,475 5.26% 1.93% 1.77% 3.63% 20.34% 22.62% Town & Country Bank $693,264 $413,883 $582,446 71.06% 25.65% $4,388 4.31% 0.79% 0.52% 3.76% 29.32% 27.15% Jefferson Bank and Trust Company $697,147 $483,005 $546,057 88.45% 17.06% $9,550 4.04% 1.16% 1.10% 3.04% 21.06% 16.41% BTC Bank $708,310 $470,274 $597,236 78.74% 24.19% $5,491 5.00% 1.30% 0.99% 4.12% 14.08% 15.16% Lead Bank $723,630 $572,220 $658,181 86.94% 19.20% $8,040 20.91% 0.86% 0.52% 20.42% 57.74% 60.47% Blue Ridge Bank and Trust Co. $723,918 $410,081 $620,042 66.14% 31.84% $5,656 4.24% 0.73% 0.48% 3.75% 17.56% 18.53% Parkside Financial Bank and Trust $742,854 $524,766 $633,235 82.87% 19.69% $10,612 4.33% 1.34% 0.80% 3.41% 23.78% 29.64% Focus Bank $804,329 $637,906 $632,403 100.87% 16.09% $4,704 4.61% 1.50% 1.11% 3.43% 3.92% 8.14% Jefferson Bank of Missouri $825,129 $589,163 $694,173 84.87% 22.90% $8,506 4.27% 0.65% 0.38% 3.85% 37.20% 38.18% Bank of Washington $846,536 $729,640 $713,030 102.33% 10.54% $7,626 4.65% 1.07% 0.76% 3.83% 32.51% 24.93% Springfield First Community Bank $850,067 $693,614 $608,676 113.95% 11.94% $13,282 4.60% 1.15% 0.95% 3.81% (0.69%) 12.50% Mid-Missouri Bank $863,694 $541,311 $785,978 68.87% 25.31% $4,429 4.19% 0.75% 0.82% 3.50% 37.04% 40.40% Lindell Bank & Trust Company $880,631 $474,328 $758,840 62.51% 32.95% $6,290 3.89% 0.49% 0.23% 3.64% 23.82% 28.13% Midwest Regional Bank $898,031 $691,367 $745,579 92.73% 17.92% $6,193 4.34% 2.01% 1.82% 2.54% 21.37% 2.10% Royal Banks of Missouri $906,236 $613,190 $781,588 78.45% 24.80% $9,154 4.87% 1.55% 1.18% 3.66% 18.24% 8.29% First Bank of the Lake $962,637 $894,578 $222,749 401.61% 6.07% $9,081 3.91% 1.27% 1.11% 2.98% 862.48% 24.83% Wood & Huston Bank $984,328 $747,779 $860,255 86.93% 9.83% $5,690 4.86% 1.25% 0.90% 3.96% 16.65% 17.53% Citizens Bank and Trust Company $999,616 $536,749 $866,147 61.97% 32.02% $5,374 3.88% 0.93% 0.69% 3.14% 22.47% 23.14%

State Average of Asset Group C $710,043 $496,192 $586,943 90.31% 22.05% $7,619 4.97% 1.12% 0.88% 4.14% 55.98% 31.04%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-BS & NIM Page 54 of 73 Balance Sheet & Net Interest Margin June 30, 2021 Run Date: August 13, 2021

As of Date Year to Date

Asset Group D - Over $1 billion in total assets

Southwest Missouri Bank $1,024,182 $463,428 $890,080 52.07% 39.92% $5,279 4.01% 0.45% 0.47% 3.69% 23.24% 21.55% Central Bank of Lake of the Ozarks $1,117,663 $485,575 $986,825 49.21% 44.58% $7,816 3.85% 0.58% 0.31% 3.51% 38.28% 39.28% Montgomery Bank $1,156,626 $780,697 $1,017,806 76.70% 27.32% $6,572 3.89% 0.68% 0.45% 3.37% 35.37% 38.73% Guaranty Bank $1,195,864 $815,151 $995,608 81.87% 27.43% $5,155 4.28% 1.36% 0.72% 3.36% 22.91% 26.45% Cass Commercial Bank $1,215,799 $805,565 $1,036,978 77.68% 38.98% $19,931 3.49% 0.65% 0.25% 3.21% 42.46% 47.58% The Nodaway Valley Bank $1,275,753 $711,125 $1,093,727 65.02% 37.18% $7,504 4.45% 0.52% 0.37% 4.13% 31.96% 36.60% Sterling Bank $1,391,638 $1,073,448 $1,207,774 88.88% 19.22% $10,308 4.86% 1.56% 1.41% 3.65% 8.64% 8.75% OakStar Bank $1,686,947 $1,253,622 $1,514,243 82.79% 21.66% $5,322 4.56% 1.05% 0.89% 3.73% 39.78% 36.51% Hawthorn Bank $1,700,837 $1,296,381 $1,382,834 93.75% 9.64% $5,558 4.20% 0.77% 0.72% 3.58% 25.86% 23.60% Central Bank of the Ozarks $1,845,866 $1,228,091 $1,591,776 77.15% 21.42% $7,504 3.74% 0.71% 0.38% 3.31% 39.71% 43.19% Academy Bank, N.A. $2,232,696 $1,655,866 $1,794,060 92.30% 23.03% $3,959 4.14% 1.69% 1.39% 2.92% 21.57% 27.26% Country Club Bank $2,283,313 $1,194,697 $1,958,990 60.99% 41.30% $5,347 3.99% 0.59% 0.28% 3.67% 54.92% 54.12% Midwest BankCentre $2,325,016 $1,825,870 $1,803,429 101.24% 9.32% $8,579 3.68% 0.99% 0.93% 2.79% 27.87% 29.75% Central Bank of St. Louis $2,492,701 $1,736,998 $1,822,119 95.33% 16.66% $10,216 3.77% 0.59% 0.36% 3.39% 35.43% 28.55% The Bank of Missouri $2,648,288 $1,721,824 $2,243,641 76.74% 20.00% $5,064 4.95% 0.87% 0.60% 4.38% 25.49% 30.15% Central Bank of Boone County $2,680,712 $1,354,949 $2,152,611 62.94% 34.69% $8,223 3.33% 0.44% 0.22% 3.08% 2.53% 0.70% Southern Bank $2,687,535 $2,233,466 $2,331,999 95.77% 7.03% $5,587 4.77% 1.28% 1.12% 3.73% 20.02% 27.83% First State Community Bank $3,576,966 $2,499,710 $3,154,362 79.25% 12.98% $4,947 4.34% 0.90% 0.65% 3.71% 21.44% 24.90% The Central Trust Bank $3,713,456 $1,311,746 $2,446,655 53.61% 24.47% $4,743 2.90% 0.56% 0.33% 2.54% 60.27% 53.22% Central Bank of the Midwest $4,017,904 $2,136,526 $3,327,800 64.20% 29.78% $8,929 3.96% 0.38% 0.18% 3.77% 96.83% 101.59% Stifel Bank $4,584,644 $2,120,068 $4,214,488 50.30% 29.90% $93,564 2.94% 0.30% 0.28% 2.68% 50.30% 49.74% Great Southern Bank $5,580,774 $4,299,739 $4,691,805 91.64% 19.19% $5,392 4.53% 1.28% 0.82% 3.73% 22.12% 30.50% First Bank $6,728,147 $3,566,659 $6,030,132 59.15% 41.22% $7,426 3.41% 0.63% 0.34% 3.01% 25.12% 26.11% Enterprise Bank & Trust $10,311,563 $7,232,030 $8,752,926 82.62% 22.60% $10,889 4.21% 0.63% 0.41% 3.79% 28.52% 33.87%

State Average of Asset Group D $2,894,787 $1,825,135 $2,435,111 75.47% 25.81% $10,992 4.01% 0.81% 0.58% 3.45% 33.36% 35.02%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-BS & NIM Page 55 of 73 Asset Quality Asset Quality June 30, 2021 Run Date: August 13, 2021

Summary Trends of Historical Asset Group Averages: Non accruals/Loans, Reserves/Loans & NPAs/Total Assets

Asset Group A ‐ $0 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets As of Date As of Date 1.60% 1.60%

1.40% 1.40%

1.20% 1.20%

1.00% 1.00%

0.80% 0.80%

0.60% 0.60%

0.40% 0.40%

0.20% 0.20%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Nonaccruals/Loans 0.70% 0.69% 0.63% 0.68% 0.63% 0.64% 0.61% 0.38% 0.51% Nonaccruals/Loans 0.72% 0.69% 0.71% 0.68% 0.54% 0.57% 0.54% 0.21% 0.41% Reserves/Loans 1.37% 1.34% 1.35% 1.37% 1.38% 1.41% 1.47% 1.30% 1.49% Reserves/Loans 1.28% 1.26% 1.31% 1.27% 1.20% 1.20% 1.29% 1.33% 1.36% NPAs/Total Assets 0.97% 0.88% 0.85% 0.84% 0.81% 0.77% 0.70% 0.49% 0.60% NPAs/Total Assets 1.05% 1.00% 0.98% 0.87% 0.74% 0.73% 0.63% 0.36% 0.50%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ Over $1 billion in Total Assets As of Date As of Date 1.80% 1.60%

1.60% 1.40%

1.40% 1.20% 1.20% 1.00% 1.00% 0.80% 0.80% 0.60% 0.60% 0.40% 0.40%

0.20% 0.20%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Nonaccruals/Loans 0.73% 0.66% 0.70% 0.72% 0.66% 0.58% 0.68% 0.61% 0.54% Nonaccruals/Loans 0.47% 0.47% 0.47% 0.53% 0.44% 0.42% 0.53% 0.55% 0.46% Reserves/Loans 1.48% 1.44% 1.42% 1.50% 1.47% 1.48% 1.54% 1.56% 1.43% Reserves/Loans 1.20% 1.18% 1.11% 1.27% 1.22% 1.32% 1.40% 1.38% 1.39% NPAs/Total Assets 0.91% 0.81% 0.85% 0.85% 0.77% 0.69% 0.73% 0.58% 0.57% NPAs/Total Assets 0.63% 0.68% 0.55% 0.62% 0.60% 0.63% 0.65% 0.60% 0.49%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Asset Quality Graph Page 57 of 73 Asset Quality June 30, 2021 Run Date: August 13, 2021

Asset Group A - $0 to $250 million in total assets

The Corder Bank $23,826 $338 3.00% 2.37% 78.99% 16.94% 1.42% Bank of New Cambria $37,125 $0 0.00% 2.61% NA 0.00% 0.00% America's Community Bank $37,204 $0 0.00% 1.14% NA 0.00% 0.00% The State Bank $42,127 $97 0.66% 2.11% 319.59% 2.72% 0.23% First Security Bank $44,321 $40 0.13% 1.45% 134.55% 8.74% 0.74% La Monte Community Bank $44,560 $0 0.00% 0.97% NA 20.40% 0.00% The Bank of Orrick $45,291 $272 2.10% 3.04% 145.22% 6.61% 0.60% FMB Bank $46,460 $1 0.01% 2.06% 43.96% 17.69% 1.44% Montrose Savings Bank $53,062 $182 0.60% 1.64% 273.63% 6.83% 0.34% The Bank of Houston $55,821 $0 0.00% 1.43% NA 0.00% 0.00% Community Bank of Memphis $57,260 $29 0.11% 2.34% NM 0.44% 0.05% Bank of Louisiana $58,111 $19 0.06% 1.71% 108.04% 9.22% 1.11% Sherwood Community Bank $63,096 $57 0.18% 1.16% 657.89% 7.50% 0.09% Tri-County Trust Company $63,097 $546 1.35% 1.83% 56.47% 14.73% 2.07% Kahoka State Bank $64,118 $0 0.00% 1.91% NM 2.65% 0.03% Bank of Iberia $65,026 $432 1.37% 1.70% 89.37% 10.99% 1.00% Peoples Bank of Moniteau County $68,552 $958 2.68% 1.59% 59.29% 14.05% 1.40% 1st Cameron State Bank $69,815 $177 0.90% 1.26% 140.11% 3.08% 0.25% FarmBank $70,868 $322 0.71% 1.19% 91.57% 9.82% 0.84% Bank of Billings $74,590 $431 0.76% 1.03% 135.73% 6.64% 0.58% Peoples Bank of Altenburg $74,934 $216 0.51% 1.64% 322.22% 2.50% 0.29% LimeBank $76,449 $373 0.67% 1.40% 210.72% 5.17% 0.55% Community Bank of Missouri $76,860 $341 0.72% 1.08% 148.68% 4.13% 0.50% Neighbors Bank $77,436 $0 0.00% 0.49% NA 0.00% 0.00% Farmers Bank of Lohman $79,293 $0 0.00% 0.97% NA 1.42% 0.21% Investors Community Bank $82,963 $94 0.38% 2.73% 724.47% 0.76% 0.11% The Citizens Bank of Edina $83,774 $114 0.20% 1.42% 532.24% 1.59% 0.18% United Security Bank $84,427 $0 0.00% 1.12% NA 2.22% 0.26% Silex Banking Company $91,431 $0 0.00% 1.89% NA 0.00% 0.00% Senath State Bank $93,382 $0 0.00% 1.67% NA 4.62% 0.13% TPNB Bank $93,972 $0 0.00% 2.00% 847.87% 0.63% 0.10% Connections Bank $94,622 $111 0.15% 1.17% 753.85% 1.02% 0.12% Alton Bank $94,924 $341 0.67% 1.09% 161.88% 4.45% 0.50% Metz Banking Company $96,457 $0 0.00% 1.11% NA 0.00% 0.00% Concordia Bank $98,359 $0 0.00% 1.12% 19.32% 39.15% 3.98% Community State Bank $98,706 $120 0.21% 1.13% 98.47% 8.13% 0.79% The Hamilton Bank $101,510 $118 0.26% 0.65% 250.00% 10.41% 0.12% Commercial Bank of Oak Grove $103,985 $36 0.06% 1.79% 715.38% 6.36% 0.27% HomePride Bank $105,065 $410 0.57% 1.67% 210.02% 17.55% 1.61% Bank of Brookfield-Purdin National Association $105,260 $20 0.09% 1.64% NM 0.16% 0.02% Security Bank of Southwest Missouri $107,897 $52 0.08% 1.26% NM 4.38% 0.05% The Bank of Grain Valley $107,987 $0 0.00% 1.49% NA 0.00% 0.00% Citizens Bank of Rogersville $108,808 $251 0.30% 1.30% 438.65% 2.03% 0.23%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Asset Quality Page 58 of 73 Asset Quality June 30, 2021 Run Date: August 13, 2021

Asset Group A - $0 to $250 million in total assets (continued)

Citizens Bank & Trust $112,278 $145 0.30% 0.94% 286.62% 1.24% 0.14% The Merchants and Farmers Bank of Salisbury $112,934 $38 0.07% 1.76% NM 0.45% 0.03% The First National Bank of Nevada $114,749 $1,036 2.24% 2.45% 109.27% 6.42% 0.90% Community Bank of Pleasant Hill $118,148 $0 0.00% 1.10% NA 0.00% 0.00% Kennett Trust Bank $119,560 $102 0.15% 0.86% 346.99% 1.84% 0.16% Peoples Bank of Wyaconda $119,620 $0 0.00% 2.04% NA 0.04% 0.00% First Independent Bank $120,417 $489 0.86% 1.36% 85.25% 7.46% 0.75% The Mercantile Bank of Louisiana, Missouri $123,174 $25 0.03% 3.88% 115.07% 9.51% 2.06% Bank of New Madrid $123,665 $4 0.01% 1.59% NM 0.41% 0.00% Citizens Community Bank $123,915 $166 0.23% 1.69% 327.88% 3.24% 0.38% Bank of Salem $125,138 $490 0.77% 0.81% 104.87% 4.24% 0.39% County Bank $125,202 $1 0.00% 1.42% NM 0.01% 0.00% New Frontier Bank $125,603 $95 0.11% 1.26% 475.88% 14.55% 1.52% Jonesburg State Bank $127,671 $0 0.00% 1.21% NM 0.09% 0.01% Community Bank of El Dorado Springs $127,804 $331 0.65% 2.11% 139.30% 4.09% 0.61% Security Bank of Pulaski County $128,421 $431 0.56% 1.31% 141.14% 24.22% 2.22% State Bank of Missouri $128,606 $422 0.69% 1.53% 221.75% 3.71% 0.33% Table Rock Community Bank $128,639 $77 0.11% 0.99% 332.86% 1.99% 0.17% Security Bank of the Ozarks $130,763 $970 1.26% 1.20% 95.26% 11.17% 0.89% 1st Advantage Bank $133,041 $0 0.00% 0.98% NA 10.55% 1.13% Northeast Missouri State Bank $135,452 $0 0.00% 1.63% NA 0.00% 0.00% First Community Bank of the Ozarks $136,044 $54 0.06% 1.13% 153.51% 12.81% 1.41% Preferred Bank $140,500 $2 0.00% 0.99% NM 12.92% 0.81% Bank of Monticello $140,683 $287 0.37% 1.25% 239.51% 2.57% 0.29% First Midwest Bank of the Ozarks $143,060 $2,336 2.64% 1.52% 57.58% 17.28% 1.72% Chillicothe State Bank $145,103 $643 0.93% 1.57% 155.00% 5.35% 0.48% Bank of Crocker $146,388 $1,279 2.78% 1.87% 64.71% 16.24% 1.84% Independent Farmers Bank $147,803 $283 0.44% 1.12% 174.57% 3.10% 0.32% Meramec Valley Bank $148,032 $0 0.00% 1.33% 745.00% 5.28% 0.48% Home Exchange Bank $148,555 $0 0.00% 3.31% NA 0.00% 0.00% Clay County Savings Bank $149,347 $0 0.00% 1.46% NA 0.00% 0.00% Community Point Bank $155,097 $208 0.20% 1.36% 695.19% 1.28% 0.13% First Community National Bank $157,327 $593 0.86% 2.17% 140.09% 12.20% 1.07% Bank 21 $159,164 $0 0.00% 1.46% NM 3.38% 0.26% The Tipton Latham Bank, National Association $161,162 $333 0.32% 1.51% 128.09% 6.52% 0.76% The Citizens-Farmers Bank of Cole Camp $161,244 $2,217 2.41% 1.95% 63.66% 11.19% 1.76% F&M Bank and Trust Company $162,280 $425 0.43% 1.50% 189.26% 6.69% 0.64% Progressive Ozark Bank $163,359 $208 0.18% 0.90% 202.94% 3.21% 0.31% Citizens' Bank of Charleston $164,181 $493 0.52% 1.89% 321.86% 2.10% 0.37% Commercial Trust Company of Fayette $169,520 $295 0.31% 0.64% 208.47% 2.47% 0.17% Bank Star $170,905 $0 0.00% 1.06% NA 0.00% 0.00% St. Clair County State Bank $173,521 $14 0.01% 1.32% NM 1.59% 0.03% Carroll County Trust Company of Carrollton, Missouri $174,919 $1,132 1.80% 1.61% 37.10% 15.64% 1.56% Citizens Bank of the Midwest $175,189 $610 0.57% 1.77% 311.48% 31.95% 2.93%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Asset Quality Page 59 of 73 Asset Quality June 30, 2021 Run Date: August 13, 2021

Asset Group A - $0 to $250 million in total assets (continued)

Adrian Bank $175,221 $376 0.41% 1.35% 326.60% 1.82% 0.21% The Cornerstone Bank $178,074 $1,765 1.47% 1.76% 93.12% 12.82% 1.41% Heritage Community Bank $179,674 $615 0.41% 1.36% 178.05% 9.19% 0.91% State Bank of Southwest Missouri $184,971 $0 0.00% 0.30% NA 0.00% 0.00% First Missouri State Bank of Cape County $186,861 $0 0.00% 1.47% NM 0.14% 0.01% Bank of Saint Elizabeth $188,320 $7 0.00% 0.45% NM 0.06% 0.01% Citizens Bank $190,065 $460 0.38% 1.01% 254.10% 9.46% 0.71% First State Bank of Purdy $192,461 $6,275 5.04% 0.96% 16.91% 43.72% 3.68% Bank of Weston $193,862 $1,083 0.95% 1.75% 152.48% 15.33% 1.22% Bank of Grandin $194,721 $1,147 1.07% 1.14% 35.43% 13.33% 1.83% Bank Northwest $195,983 $102 0.08% 0.76% 331.46% 3.06% 0.20% The Seymour Bank $197,928 $0 0.00% 1.03% 300.56% 4.00% 0.43% Citizens Bank of Eldon $198,192 $1,156 0.86% 1.33% 153.89% 4.97% 0.58% Alliant Bank $202,124 $290 0.23% 1.44% 638.62% 1.36% 0.14% Community Bank of Marshall $204,044 $0 0.00% 1.24% NA 0.00% 0.00% First Missouri Bank of SEMO $205,246 $389 0.23% 1.58% 93.49% 13.47% 1.39% Exchange Bank of Northeast Missouri $209,982 $657 0.59% 1.26% 173.53% 5.39% 0.54% First Missouri State Bank $212,263 $1,026 0.63% 1.52% 241.72% 4.88% 0.50% Lamar Bank and Trust Company $218,695 $3,448 2.57% 1.44% 56.00% 13.43% 1.59% Goppert Financial Bank $220,156 $17 0.01% 0.97% NM 1.02% 0.10% Paramount Bank $225,237 $61 0.05% 0.71% NM 5.70% 0.49% Central Bank of Audrain County $231,116 $403 0.47% 2.08% 378.22% 3.02% 0.23% Heritage Bank of the Ozarks $233,017 $169 0.10% 1.26% 441.25% 2.25% 0.21% Central Bank of Moberly $238,261 $31 0.03% 2.02% NM 0.16% 0.01% Century Bank of the Ozarks $239,696 $97 0.06% 1.88% 797.95% 1.66% 0.16% United State Bank $245,880 $1,278 0.85% 1.76% 200.53% 6.00% 0.54% Community First Banking Company $248,964 $0 0.00% 1.10% 263.74% 3.32% 0.37% Midwest Independent BankersBank $249,707 $0 0.00% 2.70% NA 0.00% 0.00%

State Average of Asset Group A $132,711 $379 0.51% 1.49% 250.85% 6.38% 0.60%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Asset Quality Page 60 of 73 Asset Quality June 30, 2021 Run Date: August 13, 2021

Asset Group B - $251 to $500 million in total assets

Peoples Bank $251,219 $680 0.46% 1.11% 136.59% 4.45% 0.48% FortuneBank $253,099 $58 0.03% 1.23% NM 14.33% 0.76% Community First Bank $258,655 $364 0.23% 1.81% 261.08% 5.67% 0.43% O'Bannon Banking Company $261,801 $422 0.23% 1.12% 309.51% 2.84% 0.26% Putnam County State Bank $262,536 $549 0.29% 1.49% 518.21% 2.92% 0.21% Kearney Trust Company $268,639 $0 0.00% 1.85% NM 0.02% 0.00% Commercial Bank $273,766 $1,547 0.98% 1.27% 114.39% 9.06% 0.64% Citizens Bank $273,927 $133 0.07% 2.62% 795.28% 1.70% 0.22% Farmers and Merchants Bank of St. Clair $282,102 $404 0.22% 1.06% 347.55% 1.65% 0.20% Pony Express Bank $283,043 $0 0.00% 1.29% NA 0.00% 0.00% F & C Bank $283,274 $1,401 0.61% 1.61% 102.19% 10.80% 1.27% Community State Bank of Missouri $285,063 $2,574 1.38% 0.93% 67.56% 7.34% 0.90% Exchange Bank of Missouri $285,360 $1,100 0.58% 1.16% 194.45% 3.65% 0.40% Ozark Bank $303,975 $0 0.00% 1.21% NM 0.60% 0.06% Branson Bank $304,707 $905 0.41% 1.18% 235.76% 5.88% 0.54% Bank of Versailles $306,544 $1,463 0.61% 1.39% 75.44% 10.83% 1.44% Farmers State Bank $307,429 $380 0.18% 0.64% 341.65% 1.90% 0.16% Bloomsdale Bank $308,047 $923 0.55% 1.41% 254.93% 3.26% 0.30% Alliance Bank $314,735 $642 0.27% 1.62% 610.28% 1.51% 0.20% Bank of Franklin County $322,254 $386 0.17% 1.27% 76.59% 17.94% 1.78% Wells Bank $326,954 $0 0.00% 1.32% NA 0.57% 0.05% Bank of Odessa $329,750 $3 0.00% 1.00% 518.71% 9.11% 0.16% Central Bank of Kansas City $335,534 $0 0.00% 1.64% NA 0.36% 0.05% MA Bank $335,885 $967 0.61% 1.58% 122.56% 5.77% 0.61% People's Bank of Seneca $338,379 $1,336 0.54% 1.56% 163.82% 7.80% 0.69% Belgrade State Bank $341,181 $328 0.13% 1.34% NM 3.42% 0.32% Central Bank of Warrensburg $343,420 $203 0.11% 1.35% 424.00% 16.11% 1.23% Saint John's Bank and Trust Company $344,650 $0 0.00% 1.61% NM 7.63% 0.74% First Missouri Bank $365,256 $219 0.07% 1.26% NM 0.75% 0.08% Community Bank of Raymore $383,939 $0 0.00% 1.40% NA 0.00% 0.00% UNICO Bank $396,025 $5,931 1.82% 0.69% 34.24% 22.78% 1.75% The Missouri Bank $396,372 $135 0.06% 1.59% 204.37% 3.50% 0.43% Community Bank and Trust $404,521 $299 0.17% 1.07% 293.81% 1.96% 0.16% The Bank of Advance $410,073 $945 0.32% 1.72% 290.91% 4.10% 0.44% New Era Bank $428,210 $58 0.03% 1.61% NM 0.16% 0.01% First Midwest Bank of Dexter $428,258 $3,250 0.90% 1.03% 114.15% 7.04% 0.80% Peoples Savings Bank of Rhineland $432,478 $559 0.18% 1.08% 340.59% 2.49% 0.23% United Bank of Union $448,844 $7,737 2.39% 1.58% 66.15% 15.16% 1.72% First State Bank and Trust Company, Inc. $449,285 $721 0.26% 1.18% 380.52% 2.66% 0.19% HOMEBANK $456,083 $751 0.22% 0.83% 382.16% 2.86% 0.25% First State Bank of St. Charles, Missouri $462,945 $2,611 0.88% 2.26% 217.60% 3.99% 0.66% Bank of Kirksville $463,979 $2,832 2.06% 1.83% 52.98% 10.11% 1.02% The Callaway Bank $467,242 $953 0.28% 1.15% 149.05% 8.36% 0.76% Legends Bank $471,858 $418 0.14% 1.28% 583.41% 4.39% 0.17% Farmers Bank of Northern Missouri $473,784 $205 0.09% 1.70% 588.13% 1.31% 0.16% Phelps County Bank $484,043 $1,059 0.43% 1.26% 294.43% 2.72% 0.22% First Midwest Bank of Poplar Bluff $491,395 $1,317 0.32% 1.28% 402.13% 3.40% 0.29% Regional Missouri Bank $497,880 $1,195 0.39% 0.99% 116.70% 5.14% 0.52%

State Average of Asset Group B $358,300 $999 0.41% 1.36% 275.19% 5.42% 0.50%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Asset Quality Page 61 of 73 Asset Quality June 30, 2021 Run Date: August 13, 2021

Asset Group C - $501 million to $1 billion in total assets

American Bank of Missouri $526,388 $4,705 1.05% 1.35% 111.91% 10.20% 1.07% Mid America Bank $535,436 $4,485 1.07% 1.35% 95.47% 8.59% 1.11% MRV Banks $540,612 $0 0.00% 1.25% NA 0.00% 0.00% Freedom Bank of Southern Missouri $551,445 $1,878 0.52% 0.88% 151.37% 4.10% 0.38% The Bank of Old Monroe $554,114 $399 0.14% 1.81% 264.49% 2.63% 0.35% Central Bank of Branson $560,023 $3,343 1.26% 1.89% 116.09% 8.36% 0.77% The Maries County Bank $564,591 $1,583 0.57% 1.64% 193.60% 3.27% 0.49% Central Bank of Sedalia $566,035 $1,765 0.61% 1.80% 295.47% 3.89% 0.31% West Plains Bank and Trust Company $573,800 $1,066 0.34% 1.03% 180.87% 3.24% 0.31% M1 Bank $577,632 $0 0.00% 0.70% NA 0.12% 0.01% Peoples Community Bank $607,278 $1,873 0.47% 1.35% 228.87% 2.31% 0.40% Triad Bank $610,004 $0 0.00% 1.24% NA 0.00% 0.00% CNB St. Louis Bank $650,843 $2,282 0.49% 1.96% 399.43% 3.17% 0.35% HNB National Bank $658,787 $578 0.16% 1.29% 227.20% 2.58% 0.32% Sullivan Bank $664,174 $2,905 0.51% 1.54% 242.52% 5.41% 0.57% Legacy Bank & Trust Company $666,398 $55 0.01% 1.30% NM 0.29% 0.03% Saint Louis Bank $673,199 $2,164 0.44% 1.34% 250.84% 6.05% 0.54% Peoples Bank & Trust Co. $684,101 $2,138 0.73% 1.77% 179.66% 6.68% 0.69% Old Missouri Bank $686,315 $3,948 0.62% 1.30% 204.45% 5.90% 0.61% Town & Country Bank $693,264 $1,615 0.39% 1.28% 316.47% 2.47% 0.25% Jefferson Bank and Trust Company $697,147 $855 0.18% 1.15% 648.07% 1.06% 0.12% BTC Bank $708,310 $4,716 1.00% 1.02% 91.59% 6.17% 0.75% Lead Bank $723,630 $1,851 0.32% 0.53% 155.92% 9.34% 0.50% Blue Ridge Bank and Trust Co. $723,918 $10,229 2.49% 1.79% 66.00% 16.09% 1.54% Parkside Financial Bank and Trust $742,854 $152 0.03% 2.04% NM 0.20% 0.02% Focus Bank $804,329 $1,790 0.28% 1.13% 401.12% 4.19% 0.34% Jefferson Bank of Missouri $825,129 $1,526 0.26% 1.53% 572.87% 2.10% 0.21% Bank of Washington $846,536 $16,873 2.31% 1.97% 76.69% 29.54% 4.10% Springfield First Community Bank $850,067 $0 0.00% 1.35% NM 0.41% 0.04% Mid-Missouri Bank $863,694 $805 0.15% 1.08% 358.32% 3.08% 0.27% Lindell Bank & Trust Company $880,631 $1,246 0.26% 4.49% NM 1.98% 0.28% Midwest Regional Bank $898,031 $1,346 0.19% 1.33% 329.37% 3.30% 0.31% Royal Banks of Missouri $906,236 $4,435 0.72% 0.93% 127.28% 4.27% 0.49% First Bank of the Lake $962,637 $383 0.04% 0.36% 337.79% 3.49% 0.10% Wood & Huston Bank $984,328 $1,209 0.16% 1.34% 343.28% 2.79% 0.31% Citizens Bank and Trust Company $999,616 $9,395 1.75% 1.49% 47.45% 23.78% 2.46%

State Average of Asset Group C $710,043 $2,600 0.54% 1.43% 241.88% 5.31% 0.57%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Asset Quality Page 62 of 73 Asset Quality June 30, 2021 Run Date: August 13, 2021

Asset Group D - Over $1 billion in total assets

Southwest Missouri Bank $1,024,182 $1,391 0.30% 1.34% 136.97% 6.16% 0.44% Central Bank of Lake of the Ozarks $1,117,663 $1,294 0.27% 1.83% 274.99% 3.80% 0.29% Montgomery Bank $1,156,626 $244 0.03% 1.03% 152.92% 8.07% 0.63% Guaranty Bank $1,195,864 $10,116 1.24% 1.29% 102.67% 8.60% 0.90% Cass Commercial Bank $1,215,799 $0 0.00% 1.29% NA 0.00% 0.00% The Nodaway Valley Bank $1,275,753 $371 0.05% 1.38% NM 0.97% 0.10% Sterling Bank $1,391,638 $1,028 0.10% 1.29% NM 0.61% 0.07% OakStar Bank $1,686,947 $2,121 0.17% 1.37% 145.98% 7.40% 0.71% Hawthorn Bank $1,700,837 $33,783 2.61% 1.45% 51.91% 22.32% 2.67% Central Bank of the Ozarks $1,845,866 $386 0.03% 1.52% NM 0.21% 0.02% Academy Bank, N.A. $2,232,696 $21,754 1.31% 2.15% 162.97% 5.56% 0.98% Country Club Bank $2,283,313 $7,533 0.63% 1.80% 285.48% 4.19% 0.37% Midwest BankCentre $2,325,016 $6,603 0.36% 1.13% 303.57% 3.17% 0.33% Central Bank of St. Louis $2,492,701 $3,449 0.20% 1.49% 649.67% 2.44% 0.23% The Bank of Missouri $2,648,288 $10,258 0.60% 1.35% 85.12% 10.49% 1.11% Central Bank of Boone County $2,680,712 $545 0.04% 1.49% 822.53% 1.08% 0.09% Southern Bank $2,687,535 $5,869 0.26% 1.49% 364.68% 3.65% 0.42% First State Community Bank $3,576,966 $9,504 0.38% 1.00% 125.05% 6.67% 0.60% The Central Trust Bank $3,713,456 $3,016 0.23% 1.53% 654.13% 1.12% 0.09% Central Bank of the Midwest $4,017,904 $12,961 0.61% 1.26% 165.46% 5.15% 0.42% Stifel Bank $4,584,644 $46 0.00% 0.23% NM 0.01% 0.00% Great Southern Bank $5,580,774 $7,825 0.18% 1.55% 635.27% 1.51% 0.20% First Bank $6,728,147 $30,071 0.84% 1.32% 127.45% 5.42% 0.56% Enterprise Bank & Trust $10,311,563 $40,332 0.56% 1.77% 295.53% 4.71% 0.46%

State Average of Asset Group D $2,894,787 $8,771 0.46% 1.39% 291.70% 4.72% 0.49%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Asset Quality Page 63 of 73 Capital Adequacy Capital Adequacy June 30, 2021 Run Date: August 13, 2021

Summary Trends of Historical Asset Group Averages: Leverage Ratio, Tier 1 Risk Based Ratio & Risk Based Capital Ratio

Asset Group A ‐ $0 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets As of Date As of Date 35.00% 18.00%

16.00% 30.00% 14.00% 25.00% 12.00%

20.00% 10.00%

15.00% 8.00%

6.00% 10.00% 4.00% 5.00% 2.00%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Leverage Ratio 11.45% 11.43% 11.07% 11.02% 10.65% 10.52% 10.38% 10.09% 10.09% Leverage Ratio 10.97% 11.22% 11.08% 10.93% 10.40% 10.20% 10.19% 9.98% 9.82% Tier 1 Risk Based Ratio 17.26% 17.32% 16.77% 15.94% 16.00% 16.11% 16.09% 29.46% 16.53% Tier 1 Risk Based Ratio 15.10% 15.54% 15.35% 14.95% 14.56% 14.80% 15.05% 15.15% 15.17% Risk Based Capital Ratio 18.36% 18.45% 17.75% 17.04% 16.99% 17.20% 17.21% 32.17% 17.65% Risk Based Capital Ratio 16.22% 16.65% 16.48% 16.05% 15.64% 15.92% 16.19% 16.29% 16.34%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ Over $1 billion in Total Assets As of Date As of Date 18.00% 18.00%

16.00% 16.00%

14.00% 14.00%

12.00% 12.00%

10.00% 10.00%

8.00% 8.00%

6.00% 6.00%

4.00% 4.00%

2.00% 2.00%

0.00% 0.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Leverage Ratio 11.39% 11.60% 11.36% 11.59% 10.87% 10.51% 10.51% 10.46% 10.05% Leverage Ratio 10.22% 10.35% 10.35% 10.18% 10.04% 10.13% 10.00% 9.76% 9.43% Tier 1 Risk Based Ratio 14.45% 14.81% 14.24% 13.45% 13.96% 13.46% 12.94% 13.32% 13.81% Tier 1 Risk Based Ratio 12.96% 12.99% 12.93% 12.71% 13.80% 14.18% 14.22% 15.04% 14.37% Risk Based Capital Ratio 15.58% 15.93% 15.36% 14.62% 15.21% 14.73% 14.19% 14.58% 15.03% Risk Based Capital Ratio 14.04% 14.22% 13.92% 13.78% 14.92% 15.34% 15.41% 16.23% 15.53%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Capital Graph Page 65 of 73 Capital Adequacy June 30, 2021 Run Date: August 13, 2021

Summary Trends of Historical Asset Group Averages: Common Equity Tier 1 Risk Based Ratio

Asset Group A ‐ $0 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets As of Date As of Date 35.00% 15.80%

15.60% 30.00% 15.40% 25.00% 15.20%

20.00% 15.00%

15.00% 14.80%

14.60% 10.00% 14.40% 5.00% 14.20%

0.00% 14.00%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Common Equity Tier 1 RB Ratio 17.26% 17.32% 16.77% 15.94% 16.00% 16.11% 16.09% 29.46% 16.53% Common Equity Tier 1 RB Ratio 15.10% 15.54% 15.35% 14.95% 14.56% 14.80% 15.05% 15.15% 15.17%

Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ Over $1 billion in Total Assets As of Date As of Date 15.00% 15.50%

14.50% 15.00%

14.50% 14.00%

14.00% 13.50% 13.50% 13.00% 13.00%

12.50% 12.50%

12.00% 12.00%

11.50% 11.50%

6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Common Equity Tier 1 RB Ratio 14.45% 14.81% 14.24% 13.45% 13.96% 13.46% 12.94% 13.32% 13.81% Common Equity Tier 1 RB Ratio 12.91% 12.95% 12.88% 12.71% 13.80% 14.18% 14.22% 15.04% 14.37%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Capital Graph Page 66 of 73 Capital Adequacy June 30, 2021 Run Date: August 13, 2021

As of Date

Asset Group A - $0 to $250 million in total assets

The Corder Bank $23,826 $2,242 $2,266 $2,266 9.36% 16.82% 18.07% 16.82% Bank of New Cambria $37,125 $4,372 $4,374 $4,374 11.70% NA NA NA America's Community Bank $37,204 $3,784 $3,784 $3,784 10.53% 13.28% 14.48% 13.28% The State Bank $42,127 $3,256 $3,265 $3,265 7.79% 24.15% 25.42% 24.15% First Security Bank $44,321 $3,331 $3,259 $3,259 7.31% 12.75% 14.00% 12.75% La Monte Community Bank $44,560 $3,460 $3,463 $3,463 7.71% 15.92% 16.96% 15.92% The Bank of Orrick $45,291 $3,721 $3,337 $3,337 7.25% 15.88% 17.14% 15.88% FMB Bank $46,460 $3,629 $3,482 $3,482 7.19% 15.57% 16.81% 15.57% Montrose Savings Bank $53,062 $7,379 $7,330 $7,330 13.45% NA NA NA The Bank of Houston $55,821 $6,602 $5,770 $5,770 11.64% NA NA NA Community Bank of Memphis $57,260 $6,821 $6,152 $6,152 10.50% NA NA NA Bank of Louisiana $58,111 $6,494 $6,062 $6,062 9.96% 15.60% 16.85% 15.60% Sherwood Community Bank $63,096 $5,522 $5,468 $5,468 8.45% 15.42% 16.48% 15.42% Tri-County Trust Company $63,097 $8,135 $7,508 $7,508 11.61% NA NA NA Kahoka State Bank $64,118 $5,703 $5,683 $5,683 8.82% NA NA NA Bank of Iberia $65,026 $5,376 $5,387 $5,387 8.23% 16.06% 17.32% 16.06% Peoples Bank of Moniteau County $68,552 $6,249 $6,069 $6,069 8.88% 14.70% 15.95% 14.70% 1st Cameron State Bank $69,815 $5,506 $5,506 $5,506 7.92% 25.55% 26.70% 25.55% FarmBank $70,868 $5,495 $5,531 $5,531 7.78% 10.95% 12.03% 10.95% Bank of Billings $74,590 $9,280 $6,492 $6,492 8.86% NA NA NA Peoples Bank of Altenburg $74,934 $7,930 $7,586 $7,586 9.84% 16.65% 17.90% 16.65% LimeBank $76,449 $8,741 $7,211 $7,211 9.84% NA NA NA Community Bank of Missouri $76,860 $8,834 $8,795 $8,795 11.64% 15.71% 16.62% 15.71% Neighbors Bank $77,436 $10,593 $10,732 $10,732 13.70% 16.28% 16.70% 16.28% Farmers Bank of Lohman $79,293 $11,808 $11,362 $11,362 14.54% NA NA NA Investors Community Bank $82,963 $11,704 $11,588 $11,588 14.19% 37.08% 38.34% 37.08% The Citizens Bank of Edina $83,774 $9,850 $9,838 $9,838 11.53% NA NA NA United Security Bank $84,427 $9,494 $9,153 $9,153 10.86% NA NA NA Silex Banking Company $91,431 $12,237 $12,313 $12,313 14.24% NA NA NA Senath State Bank $93,382 $12,606 $12,606 $12,606 13.20% NA NA NA TPNB Bank $93,972 $14,059 $13,439 $13,439 14.37% 23.90% 25.15% 23.90% Connections Bank $94,622 $12,061 $10,562 $10,562 11.86% NA NA NA Alton Bank $94,924 $10,991 $10,931 $10,931 11.48% 12.56% 13.20% 12.56% Metz Banking Company $96,457 $9,934 $9,885 $9,885 10.42% NA NA NA Concordia Bank $98,359 $9,260 $9,311 $9,311 9.22% NA NA NA Community State Bank $98,706 $9,563 $9,434 $9,434 9.42% NA NA NA The Hamilton Bank $101,510 $9,322 $8,715 $8,715 8.54% 13.59% 14.05% 13.59% Commercial Bank of Oak Grove $103,985 $12,609 $12,606 $12,606 11.89% NA NA NA HomePride Bank $105,065 $9,657 $9,671 $9,671 8.88% 16.96% 18.22% 16.96% Bank of Brookfield-Purdin National Association $105,260 $12,002 $11,514 $11,514 10.80% 33.86% 34.97% 33.86% Security Bank of Southwest Missouri $107,897 $10,704 $10,555 $10,555 9.82% NA NA NA The Bank of Grain Valley $107,987 $21,397 $21,397 $21,397 19.91% NA NA NA Citizens Bank of Rogersville $108,808 $12,262 $11,244 $11,244 10.45% NA NA NA

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Capital Page 67 of 73 Capital Adequacy June 30, 2021 Run Date: August 13, 2021

As of Date

Asset Group A - $0 to $250 million in total assets (continued)

Citizens Bank & Trust $112,278 $12,288 $11,840 $11,840 10.31% NA NA NA The Merchants and Farmers Bank of Salisbury $112,934 $9,577 $9,377 $9,377 8.27% 14.49% 15.75% 14.49% The First National Bank of Nevada $114,749 $15,164 $15,164 $15,164 12.94% 22.41% 23.66% 22.41% Community Bank of Pleasant Hill $118,148 $9,510 $9,873 $9,873 8.37% 21.39% 22.16% 21.39% Kennett Trust Bank $119,560 $13,585 $13,093 $13,093 11.02% NA NA NA Peoples Bank of Wyaconda $119,620 $12,202 $12,115 $12,115 9.95% NA NA NA First Independent Bank $120,417 $12,290 $12,258 $12,258 10.15% NA NA NA The Mercantile Bank of Louisiana, Missouri $123,174 $23,792 $23,754 $23,754 19.11% NA NA NA Bank of New Madrid $123,665 $13,035 $12,500 $12,500 10.18% NA NA NA Citizens Community Bank $123,915 $13,800 $13,842 $13,842 11.10% NA NA NA Bank of Salem $125,138 $11,101 $11,042 $11,042 8.85% NA NA NA County Bank $125,202 $10,681 $9,391 $9,391 7.61% 15.10% 16.36% 15.10% New Frontier Bank $125,603 $12,721 $11,489 $11,489 9.08% 11.07% 12.12% 11.07% Jonesburg State Bank $127,671 $9,461 $9,444 $9,444 7.30% 14.90% 16.15% 14.90% Community Bank of El Dorado Springs $127,804 $18,322 $17,782 $17,782 14.04% NA NA NA Security Bank of Pulaski County $128,421 $11,048 $10,695 $10,695 8.05% 12.59% 13.78% 12.59% State Bank of Missouri $128,606 $10,455 $10,288 $10,288 8.07% 17.85% 19.10% 17.85% Table Rock Community Bank $128,639 $9,989 $9,846 $9,846 7.91% 14.16% 15.18% 14.16% Security Bank of the Ozarks $130,763 $10,368 $9,271 $9,271 7.36% 11.06% 12.17% 11.06% 1st Advantage Bank $133,041 $13,142 $13,073 $13,073 9.70% 12.18% 13.23% 12.18% Northeast Missouri State Bank $135,452 $17,741 $14,911 $14,911 11.24% 22.72% 23.97% 22.72% First Community Bank of the Ozarks $136,044 $14,025 $13,765 $13,765 10.20% NA NA NA Preferred Bank $140,500 $10,585 $9,952 $9,952 7.01% 19.87% 20.69% 19.87% Bank of Monticello $140,683 $14,837 $14,535 $14,535 10.69% NA NA NA First Midwest Bank of the Ozarks $143,060 $14,574 $14,389 $14,389 10.08% 13.65% 14.90% 13.65% Chillicothe State Bank $145,103 $11,995 $11,972 $11,972 8.15% 19.34% 20.60% 19.34% Bank of Crocker $146,388 $15,768 $15,290 $15,290 10.38% 29.43% 30.69% 29.43% Independent Farmers Bank $147,803 $14,333 $12,794 $12,794 8.73% 16.69% 17.63% 16.69% Meramec Valley Bank $148,032 $12,074 $12,091 $12,091 8.26% 12.05% 13.30% 12.05% Home Exchange Bank $148,555 $21,812 $22,449 $22,449 15.17% NA NA NA Clay County Savings Bank $149,347 $12,081 $11,944 $11,944 7.93% NA NA NA Community Point Bank $155,097 $14,830 $14,528 $14,528 9.37% 13.39% 14.64% 13.39% First Community National Bank $157,327 $12,351 $13,037 $13,037 8.25% 13.25% 14.50% 13.25% Bank 21 $159,164 $13,516 $13,402 $13,402 8.50% 10.91% 12.17% 10.91% The Tipton Latham Bank, National Association $161,162 $17,155 $17,189 $17,189 10.67% NA NA NA The Citizens-Farmers Bank of Cole Camp $161,244 $23,636 $23,353 $23,353 14.46% NA NA NA F&M Bank and Trust Company $162,280 $14,496 $14,225 $14,225 8.69% NA NA NA Progressive Ozark Bank $163,359 $14,863 $14,808 $14,808 9.13% 14.14% 15.13% 14.14% Citizens' Bank of Charleston $164,181 $27,095 $27,034 $27,034 16.47% NA NA NA Commercial Trust Company of Fayette $169,520 $14,836 $14,519 $14,519 8.59% NA NA NA Bank Star $170,905 $16,184 $14,325 $14,325 8.44% NA NA NA St. Clair County State Bank $173,521 $22,431 $22,444 $22,444 13.01% NA NA NA Carroll County Trust Company of Carrollton, Missouri $174,919 $19,811 $18,941 $18,941 10.73% NA NA NA Citizens Bank of the Midwest $175,189 $15,621 $15,833 $15,833 9.20% NA NA NA

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Capital Page 68 of 73 Capital Adequacy June 30, 2021 Run Date: August 13, 2021

As of Date

Asset Group A - $0 to $250 million in total assets (continued)

Adrian Bank $175,221 $19,650 $18,621 $18,621 10.63% 22.88% 24.14% 22.88% The Cornerstone Bank $178,074 $21,608 $21,269 $21,269 12.27% 19.99% 21.24% 19.99% Heritage Community Bank $179,674 $16,111 $15,688 $15,688 8.68% NA NA NA State Bank of Southwest Missouri $184,971 $10,064 $10,177 $10,177 5.72% 10.86% 11.24% 10.86% First Missouri State Bank of Cape County $186,861 $16,245 $16,118 $16,118 8.77% 11.00% 12.25% 11.00% Bank of Saint Elizabeth $188,320 $22,329 $19,615 $19,615 10.61% 16.93% 17.48% 16.93% Citizens Bank $190,065 $13,546 $12,985 $12,985 6.75% 10.40% 11.39% 10.40% First State Bank of Purdy $192,461 $15,008 $15,274 $15,274 7.35% 12.20% 13.16% 12.20% Bank of Weston $193,862 $13,605 $13,811 $13,811 7.39% 12.29% 13.54% 12.29% Bank of Grandin $194,721 $28,586 $28,586 $28,586 14.76% NA NA NA Bank Northwest $195,983 $17,509 $17,106 $17,106 8.42% NA NA NA The Seymour Bank $197,928 $20,297 $19,984 $19,984 10.52% NA NA NA Citizens Bank of Eldon $198,192 $21,490 $21,643 $21,643 11.06% NA NA NA Alliant Bank $202,124 $19,444 $19,270 $19,270 9.47% 16.70% 17.95% 16.70% Community Bank of Marshall $204,044 $19,213 $18,191 $18,191 8.90% 18.22% 19.25% 18.22% First Missouri Bank of SEMO $205,246 $18,543 $18,485 $18,485 9.00% 11.90% 13.16% 11.90% Exchange Bank of Northeast Missouri $209,982 $21,879 $18,807 $18,807 9.11% 13.60% 14.62% 13.60% First Missouri State Bank $212,263 $19,334 $19,330 $19,330 9.14% 13.10% 14.35% 13.10% Lamar Bank and Trust Company $218,695 $23,961 $23,887 $23,887 10.80% NA NA NA Goppert Financial Bank $220,156 $20,238 $20,216 $20,216 9.15% NA NA NA Paramount Bank $225,237 $19,221 $18,376 $18,376 7.85% NA NA NA Central Bank of Audrain County $231,116 $18,016 $16,774 $16,774 6.94% 18.16% 19.42% 18.16% Heritage Bank of the Ozarks $233,017 $19,877 $19,295 $19,295 8.73% NA NA NA Central Bank of Moberly $238,261 $17,621 $17,304 $17,304 7.30% 16.47% 17.73% 16.47% Century Bank of the Ozarks $239,696 $21,004 $20,346 $20,346 8.92% NA NA NA United State Bank $245,880 $21,206 $19,682 $19,682 8.09% 12.54% 13.79% 12.54% Community First Banking Company $248,964 $25,868 $25,086 $25,086 9.90% NA NA NA Midwest Independent BankersBank $249,707 $41,456 $41,152 $41,152 16.00% 19.35% 20.61% 19.35%

State Average of Asset Group A $132,711 $13,618 $13,231 $13,231 10.09% 16.53% 17.65% 16.53%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Capital Page 69 of 73 Capital Adequacy June 30, 2021 Run Date: August 13, 2021

As of Date

Asset Group B - $251 to $500 million in total assets

Peoples Bank $251,219 $25,469 $24,176 $24,176 9.66% NA NA NA FortuneBank $253,099 $21,172 $20,121 $20,121 8.31% 9.99% 11.24% 9.99% Community First Bank $258,655 $21,834 $20,401 $20,401 8.01% 14.44% 15.70% 14.44% O'Bannon Banking Company $261,801 $21,598 $21,601 $21,601 8.38% 11.92% 13.07% 11.92% Putnam County State Bank $262,536 $33,696 $33,696 $33,696 12.79% NA NA NA Kearney Trust Company $268,639 $23,916 $23,232 $23,232 8.62% 15.97% 17.23% 15.97% Commercial Bank $273,766 $19,632 $19,217 $19,217 7.17% 11.17% 12.35% 11.17% Citizens Bank $273,927 $31,327 $31,262 $31,262 11.40% 12.09% 13.35% 12.09% Farmers and Merchants Bank of St. Clair $282,102 $31,432 $30,662 $30,662 11.10% 15.97% 16.97% 15.97% Pony Express Bank $283,043 $23,531 $20,095 $20,095 7.34% 10.76% 12.01% 10.76% F & C Bank $283,274 $29,699 $29,363 $29,363 10.17% NA NA NA Community State Bank of Missouri $285,063 $33,315 $32,796 $32,796 11.41% NA NA NA Exchange Bank of Missouri $285,360 $30,751 $28,806 $28,806 10.09% 14.66% 15.78% 14.66% Ozark Bank $303,975 $27,027 $26,521 $26,521 8.96% NA NA NA Branson Bank $304,707 $25,401 $25,025 $25,025 8.50% 12.12% 13.37% 12.12% Bank of Versailles $306,544 $37,391 $37,391 $37,391 12.63% NA NA NA Farmers State Bank $307,429 $26,993 $24,840 $24,840 8.22% 12.98% 13.73% 12.98% Bloomsdale Bank $308,047 $25,970 $24,119 $24,119 7.78% 12.42% 13.63% 12.42% Alliance Bank $314,735 $38,594 $38,596 $38,596 12.33% NA NA NA Bank of Franklin County $322,254 $29,153 $28,613 $28,613 8.91% NA NA NA Wells Bank $326,954 $27,576 $27,178 $27,178 8.39% NA NA NA Bank of Odessa $329,750 $50,916 $50,909 $50,909 15.09% 26.32% 27.57% 26.32% Central Bank of Kansas City $335,534 $41,773 $39,331 $39,331 12.12% 17.07% 18.32% 17.07% MA Bank $335,885 $33,872 $31,713 $31,713 9.45% NA NA NA People's Bank of Seneca $338,379 $26,160 $26,160 $26,160 8.16% NA NA NA Belgrade State Bank $341,181 $30,324 $30,733 $30,733 8.89% 14.87% 16.13% 14.87% Central Bank of Warrensburg $343,420 $38,133 $25,730 $25,730 7.97% 17.49% 18.74% 17.49% Saint John's Bank and Trust Company $344,650 $29,933 $30,038 $30,038 8.68% NA NA NA First Missouri Bank $365,256 $36,717 $36,166 $36,166 10.00% 13.52% 14.78% 13.52% Community Bank of Raymore $383,939 $25,609 $24,446 $24,446 6.64% 12.96% 13.93% 12.96% UNICO Bank $396,025 $30,358 $28,740 $28,740 7.19% 9.54% 10.29% 9.54% The Missouri Bank $396,372 $45,207 $43,839 $43,839 11.07% NA NA NA Community Bank and Trust $404,521 $32,507 $29,445 $29,445 7.26% 20.11% 21.36% 20.11% The Bank of Advance $410,073 $48,559 $47,376 $47,376 11.56% NA NA NA New Era Bank $428,210 $45,203 $41,588 $41,588 10.03% NA NA NA First Midwest Bank of Dexter $428,258 $44,929 $44,739 $44,739 10.01% 12.60% 13.64% 12.60% Peoples Savings Bank of Rhineland $432,478 $35,946 $36,456 $36,456 8.43% 11.56% 12.61% 11.56% United Bank of Union $448,844 $46,679 $45,220 $45,220 9.95% 12.66% 13.91% 12.66% First State Bank and Trust Company, Inc. $449,285 $55,630 $53,901 $53,901 11.82% NA NA NA HOMEBANK $456,083 $43,361 $43,541 $43,541 9.53% NA NA NA First State Bank of St. Charles, Missouri $462,945 $70,322 $69,797 $69,797 15.02% 20.17% 21.43% 20.17% Bank of Kirksville $463,979 $55,220 $55,496 $55,496 11.91% 38.87% 40.13% 38.87% The Callaway Bank $467,242 $41,544 $41,195 $41,195 8.69% NA NA NA Legends Bank $471,858 $65,821 $65,246 $65,246 13.82% NA NA NA Farmers Bank of Northern Missouri $473,784 $59,252 $53,965 $53,965 11.43% NA NA NA Phelps County Bank $484,043 $35,805 $34,326 $34,326 7.20% 14.99% 16.24% 14.99% First Midwest Bank of Poplar Bluff $491,395 $49,542 $48,773 $48,773 9.87% 12.32% 13.57% 12.32% Regional Missouri Bank $497,880 $50,297 $46,886 $46,886 9.52% NA NA NA

State Average of Asset Group B $358,300 $36,565 $35,281 $35,281 9.82% 15.17% 16.34% 15.17%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Capital Page 70 of 73 Capital Adequacy June 30, 2021 Run Date: August 13, 2021

As of Date

Asset Group C - $501 million to $1 billion in total assets

American Bank of Missouri $526,388 $52,374 $47,709 $47,709 9.18% 10.93% 12.18% 10.93% Mid America Bank $535,436 $63,663 $62,593 $62,593 10.74% NA NA NA MRV Banks $540,612 $49,397 $49,291 $49,291 9.65% NA NA NA Freedom Bank of Southern Missouri $551,445 $57,440 $48,370 $48,370 8.93% NA NA NA The Bank of Old Monroe $554,114 $69,366 $67,844 $67,844 12.36% NA NA NA Central Bank of Branson $560,023 $46,753 $46,458 $46,458 9.02% 18.46% 19.72% 18.46% The Maries County Bank $564,591 $80,747 $78,461 $78,461 13.93% NA NA NA Central Bank of Sedalia $566,035 $45,270 $42,235 $42,235 7.36% 14.53% 15.78% 14.53% West Plains Bank and Trust Company $573,800 $51,519 $51,180 $51,180 8.99% 13.92% 14.80% 13.92% M1 Bank $577,632 $49,220 $48,540 $48,540 9.14% NA NA NA Peoples Community Bank $607,278 $103,325 $97,289 $97,289 16.06% NA NA NA Triad Bank $610,004 $51,823 $51,640 $51,640 9.06% 10.57% 11.82% 10.57% CNB St. Louis Bank $650,843 $62,785 $61,168 $61,168 9.63% 12.60% 13.85% 12.60% HNB National Bank $658,787 $77,554 $76,910 $76,910 11.54% NA NA NA Sullivan Bank $664,174 $64,703 $62,748 $62,748 9.72% 12.26% 13.51% 12.26% Legacy Bank & Trust Company $666,398 $65,043 $61,558 $61,558 9.64% 12.37% 13.63% 12.37% Saint Louis Bank $673,199 $53,029 $51,241 $51,241 7.73% 11.28% 12.54% 11.28% Peoples Bank & Trust Co. $684,101 $65,827 $61,887 $61,887 9.14% 13.04% 14.13% 13.04% Old Missouri Bank $686,315 $65,092 $62,454 $62,454 9.25% 9.95% 11.20% 9.95% Town & Country Bank $693,264 $72,041 $66,067 $66,067 9.67% 17.52% 18.77% 17.52% Jefferson Bank and Trust Company $697,147 $74,947 $74,047 $74,047 10.59% 13.25% 14.24% 13.25% BTC Bank $708,310 $90,278 $88,338 $88,338 12.54% NA NA NA Lead Bank $723,630 $53,612 $53,612 $53,612 7.89% 21.56% 22.77% 21.56% Blue Ridge Bank and Trust Co. $723,918 $61,822 $61,444 $61,444 8.55% 13.53% 14.78% 13.53% Parkside Financial Bank and Trust $742,854 $66,171 $65,863 $65,863 9.17% 10.94% 12.19% 10.94% Focus Bank $804,329 $90,221 $89,968 $89,968 11.08% NA NA NA Jefferson Bank of Missouri $825,129 $72,502 $72,150 $72,150 8.90% 13.42% 14.67% 13.42% Bank of Washington $846,536 $103,220 $102,030 $102,030 11.81% 12.41% 13.67% 12.41% Springfield First Community Bank $850,067 $134,596 $82,554 $82,554 10.53% 11.35% 12.60% 11.35% Mid-Missouri Bank $863,694 $69,432 $69,362 $69,362 8.14% 13.01% 14.10% 13.01% Lindell Bank & Trust Company $880,631 $116,479 $102,120 $102,120 11.93% NA NA NA Midwest Regional Bank $898,031 $79,949 $76,023 $76,023 9.10% 10.54% 12.48% 10.54% Royal Banks of Missouri $906,236 $116,447 $96,842 $96,842 10.89% 13.78% 14.58% 13.78% First Bank of the Lake $962,637 $26,519 $23,613 $23,613 10.27% 26.54% 27.82% 26.54% Wood & Huston Bank $984,328 $100,848 $101,090 $101,090 10.54% 13.03% 14.28% 13.03% Citizens Bank and Trust Company $999,616 $98,242 $91,953 $91,953 9.09% 14.47% 15.72% 14.47%

State Average of Asset Group C $710,043 $72,285 $67,963 $67,963 10.05% 13.81% 15.03% 13.81%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Capital Page 71 of 73 Capital Adequacy June 30, 2021 Run Date: August 13, 2021

As of Date

Asset Group D - Over $1 billion in total assets

Southwest Missouri Bank $1,024,182 $81,167 $79,938 $79,938 7.79% 15.19% 16.37% 15.19% Central Bank of Lake of the Ozarks $1,117,663 $85,517 $81,966 $81,966 7.57% 15.96% 17.21% 15.96% Montgomery Bank $1,156,626 $88,303 $83,264 $83,264 7.15% 10.76% 11.85% 10.76% Guaranty Bank $1,195,864 $119,753 $115,254 $115,254 9.57% NA NA NA Cass Commercial Bank $1,215,799 $168,482 $170,195 $170,195 13.60% 20.97% 22.22% 20.97% The Nodaway Valley Bank $1,275,753 $132,729 $118,854 $118,854 9.39% 14.42% 15.61% 14.42% Sterling Bank $1,391,638 $155,974 $144,887 $144,887 10.63% 13.96% 15.21% 13.96% OakStar Bank $1,686,947 $158,315 $146,545 $146,545 8.85% NA NA NA Hawthorn Bank $1,700,837 $185,084 $182,572 $182,572 10.63% 13.35% 14.60% 13.35% Central Bank of the Ozarks $1,845,866 $177,504 $172,795 $172,795 9.36% 13.38% 14.64% 13.38% Academy Bank, N.A. $2,232,696 $370,730 $356,238 $356,238 15.81% 19.84% 21.10% 19.84% Country Club Bank $2,283,313 $192,386 $178,406 $178,406 7.85% 13.36% 14.61% 13.36% Midwest BankCentre $2,325,016 $258,864 $235,074 $235,074 10.24% 11.94% 12.99% 11.94% Central Bank of St. Louis $2,492,701 $243,311 $214,615 $214,615 8.76% 11.55% 12.80% 11.55% The Bank of Missouri $2,648,288 $304,121 $257,417 $257,417 10.03% 13.03% 14.21% 13.03% Central Bank of Boone County $2,680,712 $221,054 $208,182 $208,182 7.86% 13.61% 14.86% 13.61% Southern Bank $2,687,535 $283,500 $282,638 $282,638 10.43% 12.79% 13.96% 12.79% First State Community Bank $3,576,966 $378,390 $295,483 $295,483 8.44% 10.77% 11.68% 10.77% The Central Trust Bank $3,713,456 $273,351 $252,003 $252,003 6.69% 15.22% 16.45% 15.22% Central Bank of the Midwest $4,017,904 $514,910 $317,865 $317,865 8.36% 13.42% 14.56% 13.42% Stifel Bank $4,584,644 $337,134 $326,622 $326,622 7.06% 20.49% 20.92% 20.49% Great Southern Bank $5,580,774 $692,922 $654,916 $654,916 11.72% 14.41% 15.66% 14.41% First Bank $6,728,147 $651,122 $619,392 $619,392 9.18% 15.54% 16.72% 15.54% Enterprise Bank & Trust $10,311,563 $1,208,975 $931,614 $931,561 9.33% 12.25% 13.42% 12.25%

State Average of Asset Group D $2,894,787 $303,483 $267,781 $267,778 9.43% 14.37% 15.53% 14.37%

Source: SNL Financial

Note: Report includes only bank-level data.

NA = data was not available.

NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. M-Capital Page 72 of 73 Definitions Bankers’ Index | DEFINITIONS

Total assets All assets owned by the company as of the date indicated, as Cost of funds (%) Interest incurred on liabilities as a percent of average non- carried on the balance sheet and defined under the indicated interest-bearing deposits and interest-bearing liabilities. accounting principles. Net interest margin (FTE) (%) Net interest income, on a fully taxable-equivalent basis if Net income Net income after taxes, minority interest, and extraordinary available, as a percent of average earning assets. and other after-tax items. Noncontrolling interest may be included, per relevant accounting standards. FASB Accounting Asset growth rate (%) Growth in total assets. Annualized is equal to (current period Standards Codification® (ASC) Section 810-10-65, which total assets minus previous period total assets) divided by includes noncontrolling interests for fiscal years starting after previous period total assets. December 15, 2008, for example. Deposit growth rate (%) Growth in deposits. Annualized is equal to ((current period Return on average assets (%) Return on average assets; net income as a percent of average deposits minus previous period deposits) times (domestic and assets. foreign office)) divided by previous period deposits. Return on average equity (%) Return on average equity; net income as a percent of average Total loans and leases Amount of loans and finance leases, gross of reserves, on which equity. nonaccrual interest is no longer accruing. Efficiency ratio (FTE)(%) Noninterest expense before foreclosed property expense, Nonaccrual loans ÷ total Nonaccrual loans, net of guaranteed loans, as a percent of total amortization of intangibles, and goodwill impairments as a loans (%) gross loans. percent of net interest income (fully taxable equivalent, if available) and noninterest revenues, excluding only gains from Reserves ÷ loans (%) Reserves for loan losses as a percent of loans before reserves. securities transactions and nonrecurring items. Reserves ÷ nonperforming Loan loss reserves as a percent of nonperforming loans. Salary expense ÷ employees Salary and benefits expense divided by number of full-time loans (%) equivalent employees at end of period. Nonperforming assets / total Nonperforming assets (nonperforming loans and leases, Total loans and leases The total of loans and lease financing receivables, net of assets (%) renegotiated loans and leases, and real estate owned) as a unearned income. Includes loans secured by real estate; percent of assets. loans to depository institutions; loans to finance agricultural production and other loans to farmers; commercial and Nonperforming assets + loans Nonperforming assets plus loans 90 days or more past due industrial loans; acceptances of other banks (both US and 90PD ÷ tangible equity + loan divided by tangible common equity and reserves. This is also known as the common version of the Texas ratio. foreign); loans to individuals for household, family, and other loss reserves (%) personal expenditures; loans to foreign governments and official institutions; obligations of states and political subdivisions Total equity capital Equity as defined under the indicated accounting principles. in the United States; other loans (for purchasing or carrying Includes par value, paid in capital, retained earnings, and other securities, for example, and not including consumer loans); lease adjustments to equity. Minority interest may be included, financing receivables (net of unearned income); and less any per relevant accounting standards. ASC Section 810-10-65, unearned income on loans reflected in items above. which includes minority interest for fiscal years starting after December 15, 2008, for example. Total deposits Amounts in customers’ banking deposits; any accounts subject to federal banking deposit insurance, including any portions Tier 1 capital For Office of Thrift Supervision (OTS)-regulated institutions, in jumbo deposits that aren’t insured but subject to the FDIC it represents the amount of core capital as defined under deposit regulations. the latest OTS guidelines at period-end. For FDIC-regulated institutions it represents the amount of Tier 1 capital as defined Liquidity ratio (%) Liquid assets (cash and balance due to deposit institution plus by the latest regulatory agency guidelines. securities plus federal funding and repurchasing plus trading accounts minus pledged securities divided by total liabilities. Leverage ratio (%) Tier 1 leverage ratio according to regulatory capital guidelines. Usually defined as Tier 1 capital as a percent of tangible assets. Total assets ÷ employees Total assets divided by number of full-time equivalent employees at end of period. Tier 1 risk-based ratio (%) Tier 1 capital as a percent of total risk-adjusted assets. Loans ÷ deposits (%) Loans held for investment, before reserves, as a percent of Risk-Based Capital Ratio (%) The regulatory risk-based capital ratio as defined under the total insured deposits. latest OTS or FDIC guidelines at period-end. This ratio is usually equal to total risk-based capital divided by total risk-adjusted Yield on earning assets (%) Return earned on interest-earning assets, expressed as a assets. percent. Total interest and dividend income divided by average earning assets. Common Equity Tier Risk Tier 1 common capital as a percent of risk-weighted assets. Based Ratio (%) Cost of interest-bearing Interest incurred on liabilities as a percent of average interest- liability (%) bearing liabilities. Total interest expense divided by average interest-bearing liabilities.