Security Bank of Kansas City

Kansas City, KansasFDIC Cert #4705

STATEEstablished 193336 branches

Holding company: VALLEY VIEW BANCSHARES INCRegulator: FDIC

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	$215M
Investor CRE	$913M
Multifamily	$294M
Construction	$365M
1–4 family	$84.5M
C&I	$179M
Agriculture	$10.7M
Other	$85M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$2.15B

+6.7%y/y

Percentile by value10th percentileby value

FDICLNLSGR

Net loans

$2.11B

+6.7%y/y

Percentile by value10th percentileby value

FDICLNLSNET

Loans YoY

+6.73%

+823.5%y/y

Percentile by value50th percentileby value

FDICLNLSNET

L/D

66.5%

−0.2%y/y

Percentile by value12th percentileby value

FDICLNLSNET + DEP

Loans/assets

55.3%

+1.6%y/y

Percentile by value11th percentileby value

FDICLNLSNET + ASSET

RE loans %

89.12%

+1.6%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

2,474points

+7.3%y/y

Peer standing24th percentile

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

Owner CRE %

10.02%

−5.5%y/y

Percentile by value40th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

42.53%

+14.2%y/y

Percentile by value97th percentileby value

FDICLNRENROT + LNLSGR

C&I %

8.35%

−4.5%y/y

Percentile by value27th percentileby value

FDICLNCI + LNLSGR