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Kansas State Bank

Ottawa, KS · Cert 10505

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

10

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

51

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Kansas State Bank

Ottawa, KS · Cert 10505

State charter, non-member · FDIC · 3 branches

Q2 2026

$208.4MAssets
$79.4MLoans
$187.9MDeposits
$17.9MEquity
Loan mix
85%RE $60.3M13%C&I $9.0M3%Consumer $1.9MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $150.5M20%Noninterest $37.4MQ2 2025Q2 2026

NIM

3.91%Q2 ’244.20%Q2 ’254.53%Q2 ’26+14%+17%

Non-interest income vs. expense

2.05%Q2 ’242.05%Q2 ’252.11%Q2 ’26+1%+4%

Market Position · Lawrence, KS · 2026 SOD (annual) · 0.5% share · #19 of 22 inst. · $0.0B of $3.6B

24.6% Franklin
0.5% Douglas

Executive Summary

  • Earnings: ROA of 1.14%, up 2 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.85% of loans (+19 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.25%, down 10 bps from a year ago.
  • Funding: loans stand at 42.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.21%+46 bps YoY

Efficiency Ratio (YTD, annualized)

58.80%-663 bps YoY

Tier 1 Leverage Ratio

9.25%-10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.08%1.00%1.06%1.14%+2 bps
Return on Equity13.80%12.71%11.81%12.29%13.25%-55 bps
Net Interest Margin2.74%2.93%3.07%3.13%3.21%+46 bps
Efficiency Ratio65.44%63.44%62.95%60.80%58.80%-663 bps
Non-Interest Burden1.66%1.71%1.78%1.76%1.73%+7 bps
Growth
Asset Growth (YoY)3.59%5.11%5.10%3.46%3.00%-58 bps
Loan Growth (YoY)8.18%6.90%3.84%0.13%-1.52%-970 bps
Deposit Growth (YoY)1.11%3.61%4.07%2.71%2.76%+165 bps
Asset Quality
Nonperforming Loans / Loans0.66%0.73%0.69%0.86%0.85%+19 bps
Net Charge-Offs / Loans0.00%0.03%0.02%0.00%0.00%0 bps
Allowance / Loans1.31%1.33%1.49%1.53%1.67%+36 bps
Allowance Coverage of NPLs2.0x1.8x2.2x1.8x2.0x0.0x
Capital
Tier 1 Leverage Ratio9.35%9.77%9.72%9.35%9.25%-10 bps
Total Risk-Based Capital9.35%9.77%9.72%9.35%9.25%-10 bps
Equity / Assets8.38%9.81%8.26%9.04%8.60%+22 bps
Liquidity & Funding
Loans / Deposits44.06%48.15%41.54%43.59%42.22%-183 bps
Liquid Assets / Assets0.71%1.35%4.12%3.92%7.26%+655 bps
CRE / Total Capitaln/a81.39%92.50%87.77%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Kansas State Bank

Ottawa, KS · Cert 10505 · Peer group: banks under $1B in assets in KS (n=98)

State charter, non-member · FDIC · 3 branches

Q2 2026

$208.4MAssets
$79.4MLoans
$187.9MDeposits
$17.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets in KS (rank 95 of 98).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.13%

Rank 60 of 98

Net Interest Margin

3.21%

Rank 77 of 98

Efficiency Ratio

58.80%

Rank 49 of 98

Equity / Assets

8.60%

Rank 74 of 98

Non-interest income vs. expense

$0.8M$4.3MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 51% of banks under $1B in assets in KS
Bank 58.80%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%1.03%1.24%1.54%Beats 39%60 / 98
Return on Equity13.18%8.85%11.58%14.73%Beats 66%33 / 98
Net Interest Margin3.21%3.24%3.62%3.91%Beats 21%77 / 98
Efficiency Ratio58.80%51.87%58.88%64.74%Beats 51%49 / 98
Asset Quality
Nonperforming Loans / Loans0.85%0.01%0.33%1.05%Beats 30%70 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio9.25%11.81%13.71%17.33%Beats 3%95 / 98
Total Risk-Based Capital Ratio9.25%11.81%14.13%17.45%Beats 3%95 / 98
Equity / Assets8.60%8.60%11.34%13.10%Beats 24%74 / 98
Liquidity & Funding
Loans / Deposits42.22%57.09%69.84%82.47%7th pctl91 / 98
Loans / Assets38.08%49.34%58.31%68.94%9th pctl89 / 98
Brokered Deposits / Depositsn/aNot reported for this institution