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Tampa State Bank

Tampa, KS · Cert 13584

FDIC · 2 branches

Q3 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: Q3 2025, the quarter ended September 30, 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=99). 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

0

Q2 2024Q3 2025peer median (50)

Asset Quality

70

Q2 2024Q3 2025peer median (50)

Profitability

2

Q2 2024Q3 2025peer median (50)

Liquidity

29

Q2 2024Q3 2025peer median

Efficiency

1

Q2 2024Q3 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

Tampa State Bank

Tampa, KS · Cert 13584

FDIC · 2 branches

Q3 2025

$60.8MAssets
$27.2MLoans
$49.7MDeposits
$1.9MEquity
Loan mix
87%RE $18.5M6%C&I $1.3M7%Consumer $1.4MQ3 2024Q3 2025
Deposit mix
71%Interest-bearing $35.2M29%Noninterest $14.5MQ3 2024Q3 2025

NIM

3.75%Q3 ’234.21%Q3 ’244.51%Q3 ’25-8%+6%

Non-interest income vs. expense

2.45%Q3 ’232.40%Q3 ’242.89%Q3 ’25+9%+28%

Executive Summary

  • Earnings: ROA of -8.45%, down 853 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 0.00% of loans (-10 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 3.09%, down 617 bps from a year ago.
  • Funding: loans stand at 54.78% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

-8.45%-853 bps YoY

Net Interest Margin (YTD, annualized)

2.62%+14 bps YoY

Efficiency Ratio (YTD, annualized)

96.00%+1,375 bps YoY

Tier 1 Leverage Ratio

3.09%-617 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.08%-0.22%0.34%0.29%-8.45%-853 bps
Return on Equity3.06%-9.23%15.06%11.64%-315%-31,837 bps
Net Interest Margin2.47%2.48%2.46%2.49%2.62%+14 bps
Efficiency Ratio82.24%78.31%84.82%86.62%96.00%+1,375 bps
Non-Interest Burden1.95%1.80%2.03%2.11%2.49%+54 bps
Growth
Asset Growth (YoY)-2.57%-2.78%-2.53%-7.83%-7.03%-446 bps
Loan Growth (YoY)-12.31%-10.54%-19.08%-24.88%-12.30%0 bps
Deposit Growth (YoY)-4.24%8.18%4.85%7.48%-5.02%-78 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.07%0.08%0.08%0.00%-10 bps
Net Charge-Offs / Loans2.76%2.24%0.10%0.04%0.02%-274 bps
Allowance / Loans1.08%2.14%2.36%2.52%2.44%+136 bps
Allowance Coverage of NPLs10.8x29.0x28.7x33.1xn/an/a
Capital
Tier 1 Leverage Ratio9.27%9.04%9.11%9.41%3.09%-617 bps
Total Risk-Based Capital14.27%15.85%16.73%17.98%7.99%-628 bps
Equity / Assets3.41%2.04%2.44%3.16%3.15%-25 bps
Liquidity & Funding
Loans / Deposits59.33%57.20%53.38%52.32%54.78%-455 bps
Liquid Assets / Assets1.67%10.14%10.48%8.48%8.28%+661 bps
CRE / Total Capitaln/an/an/an/a84.66%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

Tampa State Bank

Tampa, KS · Cert 13584 · Peer group: banks under $1B in assets in KS (n=99)

FDIC · 2 branches

Q3 2025

$60.8MAssets
$27.2MLoans
$49.7MDeposits
$1.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 19 of 99).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in KS (rank 99 of 99).
  • Overall: at or above the peer median on 2 of 10 directional measures.

Return on Assets

-8.80%

Rank 99 of 99

Net Interest Margin

2.62%

Rank 94 of 99

Efficiency Ratio

96.00%

Rank 99 of 99

Equity / Assets

3.15%

Rank 99 of 99

Non-interest income vs. expense

$0.2M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 1% of banks under $1B in assets in KS
Bank 96.00%Peer median 62.1%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-8.80%0.87%1.13%1.43%Beats 0%99 / 99
Return on Equity-279%7.87%10.19%12.93%Beats 0%99 / 99
Net Interest Margin2.62%3.10%3.38%3.79%Beats 5%94 / 99
Efficiency Ratio96.00%54.83%62.08%66.71%Beats 1%99 / 99
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.41%0.89%Beats 100%19 / 99
Net Charge-Offs / Loans0.03%n/a0.02%0.06%Beats 39%61 / 99
Capital
Tier 1 Capital Ratio6.73%11.56%13.82%17.97%Beats 0%99 / 99
Total Risk-Based Capital Ratio7.99%11.94%14.12%18.26%Beats 0%99 / 99
Equity / Assets3.15%8.30%10.85%13.75%Beats 0%99 / 99
Liquidity & Funding
Loans / Deposits54.78%54.78%71.78%83.78%24th pctl75 / 99
Loans / Assets44.81%48.58%60.54%67.75%15th pctl84 / 99
Brokered Deposits / Deposits0.00%n/an/a2.62%Beats 100%66 / 99