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Baldwin State Bank, The

Baldwin City, KS · Cert 10906 · Baldwin Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

18

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

1

Q2 2024Q2 2026peer median

Efficiency

40

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

Baldwin State Bank, The

Baldwin City, KS · Cert 10906 · Baldwin Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$115.5MAssets
$48.0MLoans
$102.6MDeposits
$11.1MEquity
Loan mix
85%RE $38.6M12%C&I $5.3M3%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $76.7M25%Noninterest $25.9MQ2 2025Q2 2026

NIM

4.08%Q2 ’244.47%Q2 ’254.48%Q2 ’26+21%+1%

Non-interest income vs. expense

2.12%Q2 ’242.23%Q2 ’252.22%Q2 ’26+8%-1%

Market Position · Lawrence, KS · 2026 SOD (annual) · 2.9% share · #9 of 22 inst. · $0.1B of $3.6B

Executive Summary

  • Earnings: ROA of 0.79%, up 5 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.04% of loans (-6 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.14%, down 5 bps from a year ago.
  • Funding: loans stand at 46.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.79%+5 bps YoY

Net Interest Margin (YTD, annualized)

2.85%+4 bps YoY

Efficiency Ratio (YTD, annualized)

69.15%-122 bps YoY

Tier 1 Leverage Ratio

10.14%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.82%0.76%0.63%0.79%+5 bps
Return on Equity7.64%8.35%7.59%6.03%7.85%+21 bps
Net Interest Margin2.81%2.80%2.91%2.90%2.85%+4 bps
Efficiency Ratio70.37%67.78%70.48%75.17%69.15%-122 bps
Non-Interest Burden1.87%1.79%1.94%2.10%1.86%-1 bps
Growth
Asset Growth (YoY)4.85%4.90%4.70%1.63%5.69%+83 bps
Loan Growth (YoY)3.87%8.04%3.02%-2.25%-1.22%-509 bps
Deposit Growth (YoY)4.15%4.67%7.04%1.16%5.96%+181 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.09%0.08%0.05%0.04%-6 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.01%-0.01%-2 bps
Allowance / Loans1.32%1.30%1.32%1.35%1.34%+2 bps
Allowance Coverage of NPLs14.2x14.2x17.3x29.1x37.8x+23.6x
Capital
Tier 1 Leverage Ratio10.19%10.11%10.60%10.46%10.14%-5 bps
Total Risk-Based Capital10.19%10.11%10.60%10.46%10.14%-5 bps
Equity / Assets9.70%10.29%10.80%10.02%9.59%-10 bps
Liquidity & Funding
Loans / Deposits50.17%51.79%52.49%49.80%46.76%-340 bps
Liquid Assets / Assets15.48%9.19%7.79%10.75%10.68%-480 bps
CRE / Total Capitaln/a70.94%66.99%62.58%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

Baldwin State Bank, The

Baldwin City, KS · Cert 10906 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Baldwin Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$115.5MAssets
$48.0MLoans
$102.6MDeposits
$11.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 80% of banks under $1B in assets operating in a single state (rank 153 of 743).
  • Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets operating in a single state (rank 676 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.75%

Rank 545 of 746

Net Interest Margin

2.85%

Rank 650 of 746

Efficiency Ratio

69.15%

Rank 452 of 746

Equity / Assets

9.59%

Rank 482 of 746

Non-interest income vs. expense

$0.4M$2.5MINCOMEEXPENSE
Unfavorable gap of $2.1M · efficiency ratio beats 40% of banks under $1B in assets operating in a single state
Bank 69.15%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.75%0.72%1.06%1.45%Beats 27%545 / 746
Return on Equity7.86%6.74%10.51%13.63%Beats 32%504 / 746
Net Interest Margin2.85%3.17%3.68%4.16%Beats 13%650 / 746
Efficiency Ratio69.15%55.74%64.58%75.47%Beats 40%452 / 746
Asset Quality
Nonperforming Loans / Loans0.04%0.09%0.42%1.07%Beats 80%153 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 60%301 / 743
Capital
Tier 1 Capital Ratio10.14%11.55%13.75%17.60%Beats 10%670 / 746
Total Risk-Based Capital Ratio10.14%11.71%14.33%18.43%Beats 9%676 / 746
Equity / Assets9.59%8.90%10.51%13.06%Beats 35%482 / 746
Liquidity & Funding
Loans / Deposits46.76%61.31%78.27%90.78%10th pctl670 / 746
Loans / Assets41.54%53.60%66.97%76.08%11th pctl663 / 746
Brokered Deposits / Depositsn/aNot reported for this institution