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Commercial Bank

Parsons, KS · Cert 11777

State charter, non-member · FDIC · 8 branches

Q2 2026

$382.2MAssets
$175.0MLoans
$354.2MDeposits
$25.9MEquity
Loan mix
63%RE $98.8M23%C&I $35.7M15%Consumer $22.9MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $291.5M18%Noninterest $62.7MQ2 2025Q2 2026

NIM

3.97%Q2 ’244.20%Q2 ’254.39%Q2 ’26+9%+9%

Non-interest income vs. expense

2.80%Q2 ’242.76%Q2 ’252.72%Q2 ’26+1%+27%

Executive Summary

  • Earnings: ROA of 0.58%, down 62 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.72% of loans (-31 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.33%, down 49 bps from a year ago.
  • Funding: loans stand at 49.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.58%-62 bps YoY

Net Interest Margin (quarter, annualized)

3.36%+26 bps YoY

Efficiency Ratio (quarter, annualized)

73.14%+402 bps YoY

Tier 1 Leverage Ratio

8.33%-49 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.90%1.86%0.77%0.58%-62 bps
Return on Equity17.83%25.89%22.77%9.79%8.18%-965 bps
Net Interest Margin3.09%3.20%3.20%3.14%3.36%+26 bps
Efficiency Ratio69.12%59.35%63.73%68.63%73.14%+402 bps
Non-Interest Burden1.86%1.13%1.65%1.84%2.36%+50 bps
Growth
Asset Growth (YoY)4.28%2.33%4.90%3.30%4.38%+10 bps
Loan Growth (YoY)-3.19%-2.35%1.68%3.73%2.53%+572 bps
Deposit Growth (YoY)3.87%5.62%2.96%2.48%4.36%+49 bps
Asset Quality
Nonperforming Loans / Loans1.03%0.89%0.82%0.71%0.72%-31 bps
Net Charge-Offs / Loans0.05%0.04%0.55%0.00%0.01%-4 bps
Allowance / Loans1.36%1.37%1.26%1.30%1.33%-3 bps
Allowance Coverage of NPLs1.3x1.5x1.5x1.8x1.9x+0.5x
Capital
Tier 1 Leverage Ratio8.82%9.62%9.97%9.20%8.33%-49 bps
Total Risk-Based Capital17.48%18.26%19.20%17.53%17.45%-4 bps
Equity / Assets6.73%7.96%8.34%7.36%6.78%+4 bps
Liquidity & Funding
Loans / Deposits50.29%52.23%50.23%49.95%49.41%-88 bps
Liquid Assets / Assets5.11%3.89%5.25%5.34%3.07%-204 bps
CRE / Total Capitaln/a65.78%64.51%74.80%n/an/a