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Peoples Bank and Trust Company

McPherson, KS · Cert 1365 · PBT Bancshares Inc.

State charter, non-member · FDIC · 21 branches

Q2 2026

$1.6BAssets
$1.1BLoans
$1.4BDeposits
$149.4MEquity
Loan mix
87%RE $869.6M10%C&I $97.8M3%Consumer $28.5MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $1.2B16%Noninterest $0.2BQ2 2025Q2 2026

NIM

5.06%Q2 ’245.35%Q2 ’255.44%Q2 ’26+14%+13%

Non-interest income vs. expense

2.44%Q2 ’242.74%Q2 ’252.57%Q2 ’26+37%-6%

Market Position · Wichita, KS · 2026 SOD (annual) · 0.9% share · #19 of 46 inst. · $0.2B of $23.2B

42.2% McPherson
11.9% Reno
15.9% Barton
0.8% Sedgwick

Executive Summary

  • Earnings: ROA of 0.40%, down 21 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.92% of loans (+47 bps YoY), with net charge-offs at 0.70%.
  • Capital: tier 1 leverage ratio of 9.27%, up 65 bps from a year ago.
  • Funding: loans stand at 77.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.40%-21 bps YoY

Net Interest Margin (quarter, annualized)

3.66%+41 bps YoY

Efficiency Ratio (quarter, annualized)

51.41%-721 bps YoY

Tier 1 Leverage Ratio

9.27%+65 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%1.37%1.32%1.27%0.40%-21 bps
Return on Equity7.53%16.09%14.69%13.79%4.25%-328 bps
Net Interest Margin3.25%3.44%3.47%3.54%3.66%+41 bps
Efficiency Ratio58.62%55.66%55.69%53.00%51.41%-721 bps
Non-Interest Burden1.50%1.48%1.55%1.48%1.41%-9 bps
Growth
Asset Growth (YoY)29.35%28.78%26.90%27.33%3.83%-2,552 bps
Loan Growth (YoY)41.16%39.60%34.05%30.20%3.40%-3,776 bps
Deposit Growth (YoY)44.69%48.37%45.31%36.28%7.81%-3,687 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.45%0.91%1.01%0.92%+47 bps
Net Charge-Offs / Loans0.01%0.11%0.41%0.51%0.70%+70 bps
Allowance / Loans1.40%1.41%1.45%1.45%1.74%+34 bps
Allowance Coverage of NPLs3.1x3.1x1.6x1.4x1.9x-1.2x
Capital
Tier 1 Leverage Ratio8.62%8.74%8.92%9.18%9.27%+65 bps
Total Risk-Based Capital11.30%11.58%11.84%12.18%12.30%+100 bps
Equity / Assets8.22%8.79%9.14%9.35%9.39%+117 bps
Liquidity & Funding
Loans / Deposits80.29%80.48%80.00%77.11%77.00%-329 bps
Liquid Assets / Assets3.36%3.30%3.18%3.37%3.63%+27 bps
CRE / Total Capitaln/a300%298%294%n/an/a