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Wilson State Bank

Wilson, KS · Cert 12136 · Wilson Bancshares Inc.

State charter, non-member · FDIC · 4 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

19

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

Wilson State Bank

Wilson, KS · Cert 12136 · Wilson Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$123.1MAssets
$86.7MLoans
$108.2MDeposits
$10.5MEquity
Loan mix
75%RE $59.8M21%C&I $16.6M4%Consumer $3.0MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $82.0M24%Noninterest $26.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.97%, up 8 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.00% of loans (-23 bps YoY), with net charge-offs at 0.38%.
  • Capital: tier 1 leverage ratio of 9.48%, up 28 bps from a year ago.
  • Funding: loans stand at 80.13% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.97%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+9 bps YoY

Efficiency Ratio (YTD, annualized)

67.30%-158 bps YoY

Tier 1 Leverage Ratio

9.48%+28 bps YoY

NIM

4.72%Q2 ’244.95%Q2 ’254.88%Q2 ’26+6%+3%

Non-interest income vs. expense

2.69%Q2 ’242.57%Q2 ’252.56%Q2 ’26-6%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.79%0.83%0.89%0.87%0.89%0.87%0.97%+8 bps
Return on Equity10.85%12.03%11.72%12.35%11.68%11.59%10.55%11.71%-63 bps
Net Interest Margin3.32%3.33%3.49%3.52%3.51%3.59%3.57%3.62%+9 bps
Efficiency Ratio74.47%72.04%70.89%68.88%70.04%70.03%70.17%67.30%-158 bps
Non-Interest Burden2.40%2.32%2.40%2.34%2.37%2.43%2.42%2.35%+1 bps
Growth
Asset Growth (YoY)-1.61%0.44%2.63%1.83%1.40%-0.27%4.07%0.77%-106 bps
Loan Growth (YoY)1.74%2.44%3.26%0.68%0.87%1.87%-0.74%3.79%+311 bps
Deposit Growth (YoY)-0.48%-1.49%0.57%1.11%0.49%-1.99%3.45%2.52%+141 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.05%0.05%0.23%0.21%0.20%0.05%0.00%-23 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.59%0.38%+38 bps
Allowance / Loans1.00%1.02%1.02%1.05%1.03%1.04%0.92%0.86%-19 bps
Allowance Coverage of NPLs18.1x18.7x19.7x4.5x5.0x5.2x19.8x247.3x+242.8x
Capital
Tier 1 Leverage Ratio8.77%8.74%8.94%9.20%9.18%9.37%9.28%9.48%+28 bps
Total Risk-Based Capital12.94%13.19%13.12%13.48%13.51%13.74%13.39%13.31%-17 bps
Equity / Assets7.25%6.98%7.18%7.51%8.07%8.45%7.99%8.50%+99 bps
Liquidity & Funding
Loans / Deposits81.69%81.08%79.62%79.15%81.99%84.27%76.40%80.13%+98 bps
Liquid Assets / Assets1.81%1.75%1.15%2.12%1.32%1.70%1.73%2.05%-7 bps
CRE / Total Capitaln/an/an/an/a0.37%1.86%1.30%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

Wilson State Bank

Wilson, KS · Cert 12136 · Peer group: banks under $1B in assets in KS (n=98) · Wilson Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$123.1MAssets
$86.7MLoans
$108.2MDeposits
$10.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 82% of banks under $1B in assets in KS (rank 19 of 98).
  • Widest gap: net charge-offs / loans trails 92% of banks under $1B in assets in KS (rank 91 of 98).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.97%

Rank 79 of 98

Net Interest Margin

3.62%

Rank 50 of 98

Efficiency Ratio

67.30%

Rank 80 of 98

Equity / Assets

8.50%

Rank 76 of 98

Non-interest income vs. expense

$0.3M$3.2MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 19% of banks under $1B in assets in KS
Bank 67.30%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.97%1.03%1.24%1.54%Beats 19%79 / 98
Return on Equity11.46%8.85%11.58%14.73%Beats 47%52 / 98
Net Interest Margin3.62%3.24%3.62%3.91%Beats 49%50 / 98
Efficiency Ratio67.30%51.87%58.88%64.74%Beats 19%80 / 98
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.33%1.05%Beats 82%19 / 98
Net Charge-Offs / Loans0.19%n/a0.00%0.03%Beats 8%91 / 98
Capital
Tier 1 Capital Ratio12.52%11.81%13.71%17.33%Beats 35%64 / 98
Total Risk-Based Capital Ratio13.31%11.81%14.13%17.45%Beats 42%57 / 98
Equity / Assets8.50%8.60%11.34%13.10%Beats 22%76 / 98
Liquidity & Funding
Loans / Deposits80.13%57.09%69.84%82.47%69th pctl30 / 98
Loans / Assets70.41%49.34%58.31%68.94%80th pctl20 / 98
Brokered Deposits / Depositsn/aNot reported for this institution