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State Bank of Kingman

Kingman, KS · Cert 13157

FDIC · 4 branches

Q1 2025

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: Q1 2025, the quarter ended March 31, 2025, 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=105). 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

7

Q2 2024Q1 2025peer median (50)

Asset Quality

54

Q2 2024Q1 2025peer median (50)

Profitability

10

Q2 2024Q1 2025peer median (50)

Liquidity

33

Q2 2024Q1 2025peer median

Efficiency

1

Q2 2024Q1 2025peer 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

State Bank of Kingman

Kingman, KS · Cert 13157

FDIC · 4 branches

Q1 2025

$258.5MAssets
$186.2MLoans
$226.9MDeposits
$19.3MEquity
Loan mix
90%RE $149.1M9%C&I $14.2M1%Consumer $1.9MQ2 2023Q1 2025
Deposit mix
82%Interest-bearing $185.5M18%Noninterest $41.4MQ2 2023Q1 2025

Market Position · Wichita, KS · 2024 SOD (annual) · 0.3% share · #38 of 46 inst. · $0.1B of $21.9B

48.1% Kingman
0.3% Sedgwick
22.6% Harper

Executive Summary

  • Earnings: ROA of -4.60%, down 480 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.03% of loans (-1 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.50%, down 50 bps from a year ago.
  • Funding: loans stand at 82.06% of deposits as of Q1 2025.

Return on Assets (YTD, annualized)

-4.60%-480 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+64 bps YoY

Efficiency Ratio (YTD, annualized)

811%+71,944 bps YoY

Tier 1 Leverage Ratio

8.50%-50 bps YoY

NIM

3.76%Q1 ’234.50%Q1 ’244.70%Q1 ’25-21%+26%

Non-interest income vs. expense

3.05%Q1 ’232.69%Q1 ’245.18%Q1 ’25-14%+244%

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.41%0.35%0.32%0.19%0.27%0.31%0.34%-4.60%-480 bps
Return on Equity5.70%4.87%4.41%2.46%3.49%3.90%4.21%-57.11%-5,957 bps
Net Interest Margin3.22%3.08%2.98%2.47%2.60%2.69%2.83%3.12%+64 bps
Efficiency Ratio86.04%87.42%87.91%91.92%88.93%87.77%87.32%811%+71,944 bps
Non-Interest Burden2.69%2.62%2.55%2.22%2.25%2.29%2.39%7.64%+542 bps
Growth
Asset Growth (YoY)-4.12%-2.19%-1.68%-0.18%-0.17%-3.10%-7.09%-5.32%-515 bps
Loan Growth (YoY)4.40%7.24%4.51%6.47%-1.69%-4.36%-5.79%-3.22%-969 bps
Deposit Growth (YoY)-8.61%-6.47%-9.95%-0.86%3.87%-0.63%-1.82%-6.42%-556 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.05%0.05%0.04%0.04%0.04%0.06%0.03%-1 bps
Net Charge-Offs / Loans-0.01%0.00%-0.01%-0.01%0.00%0.01%0.00%0.02%+3 bps
Allowance / Loans1.33%1.33%1.34%1.36%1.39%1.41%1.42%1.40%+4 bps
Allowance Coverage of NPLs28.3x29.0x29.4x35.3x35.3x34.8x22.0x48.3x+12.9x
Capital
Tier 1 Leverage Ratio8.77%8.82%8.91%9.00%9.11%9.33%9.58%8.50%-50 bps
Total Risk-Based Capital13.09%13.36%13.07%13.43%13.97%9.33%9.58%8.50%-493 bps
Equity / Assets7.36%6.86%7.78%7.76%7.86%8.67%8.66%7.47%-29 bps
Liquidity & Funding
Loans / Deposits83.19%83.28%85.54%79.35%78.73%80.16%82.08%82.06%+271 bps
Liquid Assets / Assets1.89%1.19%0.78%0.71%0.80%0.74%0.98%0.36%-35 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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

State Bank of Kingman

Kingman, KS · Cert 13157 · Peer group: banks under $1B in assets in KS (n=105)

FDIC · 4 branches

Q1 2025

$258.5MAssets
$186.2MLoans
$226.9MDeposits
$19.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 75% of banks under $1B in assets in KS (rank 27 of 105).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in KS (rank 105 of 105).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-4.57%

Rank 105 of 105

Net Interest Margin

3.12%

Rank 72 of 105

Efficiency Ratio

811%

Rank 105 of 105

Equity / Assets

7.47%

Rank 84 of 105

Non-interest income vs. expense

-$6.4M$13.4MINCOMEEXPENSE
Unfavorable gap of $19.8M · efficiency ratio beats 1% of banks under $1B in assets in KS
Bank 811%Peer median 62.1%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-4.57%0.78%1.10%1.38%Beats 0%105 / 105
Return on Equity-61.14%8.15%10.82%13.36%Beats 0%105 / 105
Net Interest Margin3.12%3.06%3.29%3.75%Beats 31%72 / 105
Efficiency Ratio811%55.42%62.09%69.97%Beats 1%105 / 105
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.22%0.77%Beats 75%27 / 105
Net Charge-Offs / Loans0.01%n/an/a0.01%Beats 33%72 / 105
Capital
Tier 1 Capital Ratio8.50%11.89%13.59%17.54%Beats 0%105 / 105
Total Risk-Based Capital Ratio8.50%11.91%14.34%18.04%Beats 0%105 / 105
Equity / Assets7.47%7.61%10.31%12.60%Beats 20%84 / 105
Liquidity & Funding
Loans / Deposits82.06%54.60%68.18%80.10%79th pctl22 / 105
Loans / Assets72.02%48.15%58.26%66.79%85th pctl16 / 105
Brokered Deposits / Depositsn/aNot reported for this institution