Elevate Bank, National Association

Sedan, KansasFDIC Cert #4770

OCCEstablished 18742 branches

Holding company: ELEVATION BANCSHARES INCRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$2.92M
Investor CRE	$26.2M
Multifamily	$0
Construction	$1.37M
1–4 family	$4.49M
C&I	$3.63M
Agriculture	$5.95M
Other	$846K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$45.4M

+44.3%y/y

Percentile by value71st percentileby value

FDICLNLSGR

Net loans

$45M

+44.8%y/y

Percentile by value72nd percentileby value

FDICLNLSNET

Loans YoY

+44.76%

+67.6%y/y

Percentile by value97th percentileby value

FDICLNLSNET

L/D

81.4%

+24.5%y/y

Percentile by value76th percentileby value

FDICLNLSNET + DEP

Loans/assets

71.3%

+27.6%y/y

Percentile by value81st percentileby value

FDICLNLSNET + ASSET

RE loans %

85.75%

+11.7%y/y

Percentile by value74th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,635points

+80.3%y/y

Peer standing29th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

6.42%

−22.5%y/y

Percentile by value60th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

57.72%

+59.8%y/y

Percentile by value100th percentileby value

FDICLNRENROT + LNLSGR

C&I %

8.00%

−32.6%y/y

Percentile by value44th percentileby value

FDICLNCI + LNLSGR