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Integrity Bank

Fowler, KS · Cert 13450 · FSB Bankshares 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

71

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

20

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

Integrity Bank

Fowler, KS · Cert 13450 · FSB Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$99.7MAssets
$32.8MLoans
$89.2MDeposits
$9.2MEquity
Loan mix
56%RE $12.2M42%C&I $9.1M2%Consumer $0.5MQ3 2024Q2 2026
Deposit mix
54%Interest-bearing $47.8M46%Noninterest $41.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.13%, up 12 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.08%.
  • Capital: tier 1 leverage ratio of 10.33%, down 74 bps from a year ago.
  • Funding: loans stand at 36.71% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.13%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.72%-31 bps YoY

Efficiency Ratio (YTD, annualized)

66.21%-455 bps YoY

Tier 1 Leverage Ratio

10.33%-74 bps YoY

NIM

3.89%Q2 ’244.73%Q2 ’254.52%Q2 ’26+30%-8%

Non-interest income vs. expense

3.08%Q2 ’243.07%Q2 ’252.59%Q2 ’26+1%-13%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.84%0.80%1.01%1.09%1.05%1.14%1.13%+12 bps
Return on Equity7.48%9.67%9.05%11.02%11.54%10.96%12.14%12.08%+105 bps
Net Interest Margin3.20%3.30%3.88%4.02%3.99%3.88%3.69%3.72%-31 bps
Efficiency Ratio81.57%76.22%74.32%70.76%69.30%70.20%66.74%66.21%-455 bps
Non-Interest Burden2.55%2.44%2.81%2.76%2.67%2.63%2.39%2.39%-36 bps
Growth
Asset Growth (YoY)18.09%12.99%27.47%4.17%7.23%13.97%14.30%19.03%+1,486 bps
Loan Growth (YoY)22.75%3.08%2.87%4.60%4.05%15.59%7.15%8.45%+385 bps
Deposit Growth (YoY)33.93%40.23%39.62%2.22%6.01%12.80%14.49%19.88%+1,766 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.06%-0.05%0.00%0.00%0.00%0.09%-0.04%-0.08%-8 bps
Allowance / Loans1.26%1.30%1.31%1.25%1.22%1.03%1.12%1.10%-16 bps
Allowance Coverage of NPLs75.6x94.5xn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.73%10.59%10.53%11.07%11.16%11.05%10.07%10.33%-74 bps
Total Risk-Based Capital23.44%25.37%24.70%25.56%24.01%24.38%24.88%26.34%+78 bps
Equity / Assets9.15%8.87%8.87%9.66%10.26%9.99%8.86%9.22%-43 bps
Liquidity & Funding
Loans / Deposits41.66%39.98%37.35%40.58%40.88%40.97%34.95%36.71%-387 bps
Liquid Assets / Assets0.01%0.00%5.06%5.54%0.58%1.70%2.25%2.09%-345 bps
CRE / Total Capitaln/an/an/an/a38.97%39.24%38.95%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

Integrity Bank

Fowler, KS · Cert 13450 · Peer group: banks under $1B in assets in KS (n=98) · FSB Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$99.7MAssets
$32.8MLoans
$89.2MDeposits
$9.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 98).
  • Widest gap: efficiency ratio trails 80% of banks under $1B in assets in KS (rank 79 of 98).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.10%

Rank 67 of 98

Net Interest Margin

3.72%

Rank 37 of 98

Efficiency Ratio

66.21%

Rank 79 of 98

Equity / Assets

9.22%

Rank 69 of 98

Non-interest income vs. expense

$0.2M$2.6MINCOMEEXPENSE
Unfavorable gap of $2.4M · efficiency ratio beats 20% of banks under $1B in assets in KS
Bank 66.21%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.10%1.03%1.24%1.54%Beats 32%67 / 98
Return on Equity11.92%8.85%11.58%14.73%Beats 56%43 / 98
Net Interest Margin3.72%3.24%3.62%3.91%Beats 62%37 / 98
Efficiency Ratio66.21%51.87%58.88%64.74%Beats 20%79 / 98
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.33%1.05%Beats 100%17 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio25.46%11.81%13.71%17.33%Beats 91%9 / 98
Total Risk-Based Capital Ratio26.34%11.81%14.13%17.45%Beats 92%8 / 98
Equity / Assets9.22%8.60%11.34%13.10%Beats 30%69 / 98
Liquidity & Funding
Loans / Deposits36.71%57.09%69.84%82.47%4th pctl94 / 98
Loans / Assets32.86%49.34%58.31%68.94%4th pctl94 / 98
Brokered Deposits / Depositsn/aNot reported for this institution