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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

4.00%Q2 ’244.37%Q2 ’254.60%Q2 ’26+19%+13%

Non-interest income vs. expense

2.05%Q2 ’242.08%Q2 ’252.10%Q2 ’26+3%+0%

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 1.25%, up 28 bps year over year; NIM at 3.29%.
  • 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 (quarter, annualized)

1.25%+28 bps YoY

Net Interest Margin (quarter, annualized)

3.29%+37 bps YoY

Efficiency Ratio (quarter, annualized)

56.92%-621 bps YoY

Tier 1 Leverage Ratio

9.25%-10 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.97%0.80%1.06%1.25%+28 bps
Return on Equity11.40%10.74%8.86%12.29%14.13%+274 bps
Net Interest Margin2.92%3.22%3.23%3.13%3.29%+37 bps
Efficiency Ratio63.12%59.94%61.56%60.80%56.92%-621 bps
Non-Interest Burden1.70%1.76%1.83%1.76%1.70%0 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%0.08%0.01%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