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First State Bank, The

Ness City, KS · Cert 10503 · Beutler Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$84.3MAssets
$37.6MLoans
$74.1MDeposits
$9.7MEquity
Loan mix
65%RE $14.3M29%C&I $6.3M7%Consumer $1.5MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $58.9M20%Noninterest $15.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.90%, up 10 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.27%, up 17 bps from a year ago.
  • Funding: loans stand at 50.74% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.90%+10 bps YoY

Net Interest Margin (quarter, annualized)

2.78%+22 bps YoY

Efficiency Ratio (quarter, annualized)

63.94%-67 bps YoY

Tier 1 Leverage Ratio

15.27%+17 bps YoY

NIM

4.01%Q2 ’244.05%Q2 ’254.05%Q2 ’26+6%+9%

Non-interest income vs. expense

1.59%Q2 ’241.76%Q2 ’252.00%Q2 ’26+11%+3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%-0.06%0.81%0.80%0.56%-0.05%1.15%0.90%+10 bps
Return on Equity7.31%-0.60%8.95%8.32%5.37%-0.43%10.45%8.16%-17 bps
Net Interest Margin2.43%2.41%2.48%2.56%2.36%2.58%2.61%2.78%+22 bps
Efficiency Ratio68.88%102.20%65.64%64.61%73.70%100.65%58.09%63.94%-67 bps
Non-Interest Burden1.60%2.47%1.54%1.60%1.68%2.60%1.22%1.65%+5 bps
Growth
Asset Growth (YoY)15.94%4.33%-4.99%-1.85%2.18%-1.55%6.98%4.00%+585 bps
Loan Growth (YoY)28.84%23.95%16.19%11.94%0.36%7.35%3.14%8.28%-366 bps
Deposit Growth (YoY)11.31%11.43%8.73%11.98%6.01%-4.32%5.65%2.24%-974 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.00%1.31%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%0.00%0.00%0.00%0.18%0.00%0.05%0.00%0 bps
Allowance / Loans2.91%2.88%2.75%2.61%2.86%2.66%2.63%2.36%-25 bps
Allowance Coverage of NPLs12.5xn/a2.1xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio14.89%15.01%14.70%15.10%14.97%15.34%14.91%15.27%+17 bps
Total Risk-Based Capital23.69%23.22%23.35%22.66%23.72%23.16%23.31%22.59%-7 bps
Equity / Assets10.41%8.60%9.41%9.89%10.81%11.29%10.65%11.54%+164 bps
Liquidity & Funding
Loans / Deposits45.38%40.83%45.56%47.91%42.96%45.82%44.48%50.74%+283 bps
Liquid Assets / Assets1.89%1.59%1.60%1.22%0.85%0.80%0.82%0.89%-33 bps
CRE / Total Capitaln/an/an/an/a10.81%9.98%7.45%n/an/a