The First National Bank of Spearville

Spearville, KansasFDIC Cert #4774

OCCEstablished 19081 branch

Holding company: SPEARVILLE 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	$4.51M
Investor CRE	$0
Multifamily	$0
Construction	$0
1–4 family	$110K
C&I	$4.74M
Agriculture	$19.8M
Other	$2.14M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$31.3M

+9.1%y/y

Percentile by value51st percentileby value

FDICLNLSGR

Net loans

$30.8M

+9.2%y/y

Percentile by value51st percentileby value

FDICLNLSNET

Loans YoY

+9.17%

+721.5%y/y

Percentile by value76th percentileby value

FDICLNLSNET

L/D

61.3%

+4.0%y/y

Percentile by value43rd percentileby value

FDICLNLSNET + DEP

Loans/assets

52.6%

+6.5%y/y

Percentile by value48th percentileby value

FDICLNLSNET + ASSET

RE loans %

40.80%

+2.6%y/y

Percentile by value14th 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

2,507points

−1.9%y/y

Peer standing56th percentile

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

Owner CRE %

14.43%

−16.1%y/y

Percentile by value87th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROT + LNLSGR

C&I %

15.16%

+0.4%y/y

Percentile by value72nd percentileby value

FDICLNCI + LNLSGR