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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 1.06%, up 11 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.00% of loans (-23 bps YoY), with net charge-offs at 0.18%.
  • 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 (quarter, annualized)

1.06%+11 bps YoY

Net Interest Margin (quarter, annualized)

3.68%+14 bps YoY

Efficiency Ratio (quarter, annualized)

64.51%-239 bps YoY

Tier 1 Leverage Ratio

9.48%+28 bps YoY

NIM

4.78%Q2 ’244.95%Q2 ’254.91%Q2 ’26+6%+4%

Non-interest income vs. expense

2.63%Q2 ’242.52%Q2 ’252.49%Q2 ’26-6%+1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%1.05%0.83%0.95%0.82%0.92%0.87%1.06%+11 bps
Return on Equity12.82%14.70%11.72%12.94%10.54%11.10%10.55%12.88%-5 bps
Net Interest Margin3.52%3.57%3.49%3.53%3.59%3.71%3.57%3.68%+14 bps
Efficiency Ratio69.85%65.43%70.89%66.90%72.28%70.02%70.17%64.51%-239 bps
Non-Interest Burden2.38%2.24%2.40%2.26%2.52%2.51%2.42%2.28%+2 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%0.18%+18 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