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Letter portraitLegal landscapeQuarterYTD

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 $22.9MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $291.5M18%Noninterest $62.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.67%, down 74 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.72% of loans (-31 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (YTD, annualized)

0.67%-74 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+14 bps YoY

Efficiency Ratio (YTD, annualized)

70.80%+375 bps YoY

Tier 1 Leverage Ratio

8.33%-49 bps YoY

NIM

3.87%Q2 ’244.16%Q2 ’254.24%Q2 ’26+10%+5%

Non-interest income vs. expense

2.80%Q2 ’242.74%Q2 ’252.74%Q2 ’26-6%+21%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.93%1.62%1.41%1.58%1.65%0.77%0.67%-74 bps
Return on Equity14.20%13.66%24.16%21.03%22.44%22.56%9.79%8.99%-1,204 bps
Net Interest Margin2.78%2.74%3.03%3.06%3.16%3.12%3.14%3.20%+14 bps
Efficiency Ratio73.55%73.64%65.07%67.05%64.14%64.04%68.63%70.80%+375 bps
Non-Interest Burden1.77%1.75%1.56%1.71%1.54%1.54%1.84%2.07%+36 bps
Growth
Asset Growth (YoY)0.19%1.48%6.61%4.28%2.33%4.90%3.30%4.38%+10 bps
Loan Growth (YoY)0.61%-2.39%-0.63%-3.19%-2.35%1.68%3.73%2.53%+572 bps
Deposit Growth (YoY)-2.93%1.29%6.58%3.87%5.62%2.96%2.48%4.36%+49 bps
Asset Quality
Nonperforming Loans / Loans2.06%1.95%1.90%1.03%0.89%0.82%0.71%0.72%-31 bps
Net Charge-Offs / Loans0.11%0.11%0.02%0.03%0.04%0.16%0.00%0.00%-3 bps
Allowance / Loans1.40%1.42%1.36%1.36%1.37%1.26%1.30%1.33%-3 bps
Allowance Coverage of NPLs0.7x0.7x0.7x1.3x1.5x1.5x1.8x1.9x+0.5x
Capital
Tier 1 Leverage Ratio10.14%9.73%9.27%8.82%9.62%9.97%9.20%8.33%-49 bps
Total Risk-Based Capital18.45%18.53%18.07%17.48%18.26%19.20%17.53%17.45%-4 bps
Equity / Assets7.89%6.72%6.70%6.73%7.96%8.34%7.36%6.78%+4 bps
Liquidity & Funding
Loans / Deposits56.49%50.86%49.35%50.29%52.23%50.23%49.95%49.41%-88 bps
Liquid Assets / Assets2.04%7.76%8.16%5.11%3.89%5.25%5.34%3.07%-204 bps
CRE / Total Capitaln/an/an/an/a65.78%64.51%74.80%n/an/a