Ventura National Bank & Trust

Harveyville, KansasFDIC Cert #4683

OCCEstablished 19201 branch

Holding company: VISTA HOLDING CORegulator: 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	$10K
Investor CRE	$533K
Multifamily	$0
Construction	$400K
1–4 family	$6.65M
C&I	$16.6M
Agriculture	$1.08M
Other	$9.84M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$35.1M

+62.8%y/y

Percentile by value57th percentileby value

FDICLNLSGR

Net loans

$34.8M

+63.4%y/y

Percentile by value57th percentileby value

FDICLNLSNET

Loans YoY

+63.38%

−61.2%y/y

Percentile by value98th percentileby value

FDICLNLSNET

L/D

100.2%

+6.3%y/y

Percentile by value93rd percentileby value

FDICLNLSNET + DEP

Loans/assets

79.5%

+19.3%y/y

Percentile by value92nd percentileby value

FDICLNLSNET + ASSET

RE loans %

26.80%

−0.2%y/y

Percentile by value7th 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

2,608points

−42.4%y/y

Peer standing52nd percentile

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

Owner CRE %

0.03%

−95.0%y/y

Percentile by value23rd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

1.52%

−41.7%y/y

Percentile by value34th percentileby value

FDICLNRENROT + LNLSGR

C&I %

47.20%

−26.5%y/y

Percentile by value99th percentileby value

FDICLNCI + LNLSGR