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Ford County State Bank

Spearville, KS · Cert 12139

State charter, non-member · FDIC · 1 branch

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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

33

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

Ford County State Bank

Spearville, KS · Cert 12139

State charter, non-member · FDIC · 1 branch

Q2 2026

$58.4MAssets
$30.5MLoans
$52.8MDeposits
$5.3MEquity
Loan mix
53%RE $10.1M44%C&I $8.3M3%Consumer $0.5MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $44.6M16%Noninterest $8.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.89%, up 15 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.44% of loans (+44 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.17%, up 96 bps from a year ago.
  • Funding: loans stand at 57.85% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.89%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.26%+51 bps YoY

Efficiency Ratio (YTD, annualized)

63.47%-346 bps YoY

Tier 1 Leverage Ratio

11.17%+96 bps YoY

NIM

4.09%Q2 ’244.66%Q2 ’254.82%Q2 ’26+18%+19%

Non-interest income vs. expense

2.40%Q2 ’241.93%Q2 ’252.17%Q2 ’26-21%+12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.12%0.25%0.83%0.74%0.66%0.68%0.81%0.89%+15 bps
Return on Equity1.70%3.55%11.59%10.08%8.76%8.67%9.24%10.04%-4 bps
Net Interest Margin2.23%2.29%2.85%2.75%2.76%2.80%3.11%3.26%+51 bps
Efficiency Ratio93.93%87.90%68.04%66.93%68.55%68.16%64.86%63.47%-346 bps
Non-Interest Burden2.09%2.00%1.89%1.79%1.85%1.86%1.96%2.01%+22 bps
Growth
Asset Growth (YoY)11.91%11.71%12.77%8.49%7.56%2.98%-0.57%-4.49%-1,298 bps
Loan Growth (YoY)17.39%30.44%28.10%20.48%17.87%6.83%3.42%-0.54%-2,102 bps
Deposit Growth (YoY)1.36%0.22%1.66%1.26%5.33%1.74%7.95%9.69%+842 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.00%0.00%0.00%0.23%0.00%0.07%0.44%+44 bps
Net Charge-Offs / Loans-0.04%-0.02%0.00%0.07%0.07%0.05%0.00%0.00%-7 bps
Allowance / Loans1.20%1.08%1.09%0.98%1.03%1.10%1.18%1.15%+17 bps
Allowance Coverage of NPLs4.4xn/an/an/a4.5xn/a15.7x2.6xn/a
Capital
Tier 1 Leverage Ratio10.58%10.42%10.43%10.21%10.41%10.50%10.80%11.17%+96 bps
Total Risk-Based Capital18.07%16.85%17.23%16.45%10.41%10.50%17.70%17.43%+98 bps
Equity / Assets7.85%6.83%7.52%7.62%8.30%8.64%8.85%9.06%+144 bps
Liquidity & Funding
Loans / Deposits56.50%60.33%57.60%63.80%63.23%63.35%55.18%57.85%-595 bps
Liquid Assets / Assets0.87%0.83%0.83%0.80%0.81%0.80%0.83%0.84%+4 bps
CRE / Total Capitaln/an/an/an/a40.56%39.22%39.40%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

Ford County State Bank

Spearville, KS · Cert 12139 · Peer group: banks under $1B in assets in KS (n=98)

State charter, non-member · FDIC · 1 branch

Q2 2026

$58.4MAssets
$30.5MLoans
$52.8MDeposits
$5.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: return on assets trails 86% of banks under $1B in assets in KS (rank 84 of 98).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.90%

Rank 84 of 98

Net Interest Margin

3.26%

Rank 73 of 98

Efficiency Ratio

63.47%

Rank 67 of 98

Equity / Assets

9.06%

Rank 71 of 98

Non-interest income vs. expense

$0.1M$1.3MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 33% of banks under $1B in assets in KS
Bank 63.47%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.90%1.03%1.24%1.54%Beats 14%84 / 98
Return on Equity9.97%8.85%11.58%14.73%Beats 37%62 / 98
Net Interest Margin3.26%3.24%3.62%3.91%Beats 26%73 / 98
Efficiency Ratio63.47%51.87%58.88%64.74%Beats 33%67 / 98
Asset Quality
Nonperforming Loans / Loans0.44%0.01%0.33%1.05%Beats 43%57 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio16.53%11.81%13.71%17.33%Beats 71%28 / 98
Total Risk-Based Capital Ratio17.43%11.81%14.13%17.45%Beats 72%27 / 98
Equity / Assets9.06%8.60%11.34%13.10%Beats 28%71 / 98
Liquidity & Funding
Loans / Deposits57.85%57.09%69.84%82.47%27th pctl72 / 98
Loans / Assets52.26%49.34%58.31%68.94%38th pctl61 / 98
Brokered Deposits / Depositsn/aNot reported for this institution