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Americus State Bank, The

Americus, KS · Cert 13957

FDIC · 2 branches

Q2 2024

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 2024, the quarter ended June 30, 2024, 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=112). 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

32

Q2 2024Q2 2024peer median (50)

Asset Quality

58

Q2 2024Q2 2024peer median (50)

Profitability

0

Q2 2024Q2 2024peer median (50)

Liquidity

96

Q2 2024Q2 2024peer median

Efficiency

1

Q2 2024Q2 2024peer 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

Americus State Bank, The

Americus, KS · Cert 13957

FDIC · 2 branches

Q2 2024

$52.6MAssets
$29.6MLoans
$42.6MDeposits
$2.5MEquity
Loan mix
79%RE $21.0M15%C&I $4.1M6%Consumer $1.5MQ3 2022Q2 2024
Deposit mix
85%Interest-bearing $36.1M15%Noninterest $6.5MQ3 2022Q2 2024

Executive Summary

  • Earnings: ROA of -1.88%, down 79 bps year over year; NIM at 1.33%.
  • Asset quality: problem loans at 1.14% of loans (-264 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 6.52%, down 157 bps from a year ago.
  • Funding: loans stand at 69.56% of deposits as of Q2 2024.

Return on Assets (YTD, annualized)

-1.88%-79 bps YoY

Net Interest Margin (YTD, annualized)

1.33%-52 bps YoY

Efficiency Ratio (YTD, annualized)

224%+7,165 bps YoY

Tier 1 Leverage Ratio

6.52%-157 bps YoY

NIM

2.36%Q2 ’223.32%Q2 ’233.72%Q2 ’24-11%-28%

Non-interest income vs. expense

3.14%Q2 ’223.12%Q2 ’233.39%Q2 ’240%+10%

Year to date, annualized, through each quarter.

MetricQ3 2022Q4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024YoY ΔTrend
Earnings
Return on Assets-0.23%-0.33%-0.95%-1.09%-0.91%-1.12%-1.79%-1.88%-79 bps
Return on Equity-3.05%-4.61%-16.18%-19.40%-16.96%-20.78%-34.15%-36.97%-1,757 bps
Net Interest Margin2.10%2.20%2.04%1.85%1.74%1.62%1.48%1.33%-52 bps
Efficiency Ratio136.83%133.64%141.75%152.50%139.67%151.64%208%224%+7,165 bps
Non-Interest Burden2.93%2.98%2.95%2.90%2.62%2.67%3.27%3.19%+29 bps
Growth
Asset Growth (YoY)-3.20%-9.32%-0.33%2.52%6.73%9.90%-3.35%-4.67%-719 bps
Loan Growth (YoY)9.90%21.82%45.21%31.57%29.96%21.09%-0.83%0.34%-3,123 bps
Deposit Growth (YoY)2.80%-6.14%-4.80%-9.49%-7.21%-4.01%-3.33%-4.29%+520 bps
Asset Quality
Nonperforming Loans / Loans5.29%4.97%4.01%3.78%3.60%3.56%2.17%1.14%-264 bps
Net Charge-Offs / Loans-0.01%-0.08%0.00%-0.01%0.00%-0.01%0.00%-0.01%0 bps
Allowance / Loans3.05%2.95%2.45%2.44%2.41%2.45%2.48%2.35%-10 bps
Allowance Coverage of NPLs0.6x0.6x0.6x0.6x0.7x0.7x1.1x2.1x+1.4x
Capital
Tier 1 Leverage Ratio8.94%9.06%8.64%8.09%7.99%7.47%7.19%6.52%-157 bps
Total Risk-Based Capital23.38%22.30%18.06%17.34%16.59%16.13%15.60%14.26%-308 bps
Equity / Assets5.20%6.02%5.78%5.15%4.62%5.43%5.06%4.77%-37 bps
Liquidity & Funding
Loans / Deposits48.73%53.95%62.62%66.35%68.25%68.07%64.24%69.56%+320 bps
Liquid Assets / Assets3.47%0.13%1.20%0.68%0.05%0.03%0.12%0.18%-50 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

Americus State Bank, The

Americus, KS · Cert 13957 · Peer group: banks under $1B in assets in KS (n=112)

FDIC · 2 branches

Q2 2024

$52.6MAssets
$29.6MLoans
$42.6MDeposits
$2.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 45 of 112).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets in KS (rank 112 of 112).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-1.91%

Rank 112 of 112

Net Interest Margin

1.33%

Rank 112 of 112

Efficiency Ratio

224%

Rank 112 of 112

Equity / Assets

4.77%

Rank 106 of 112

Non-interest income vs. expense

$0.1M$2.0MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 1% of banks under $1B in assets in KS
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-1.91%0.67%0.95%1.37%Beats 0%112 / 112n/a
Return on Equity-39.94%6.54%9.65%14.21%Beats 0%112 / 112n/a
Net Interest Margin1.33%2.80%3.20%3.61%Beats 0%112 / 112n/a
Efficiency Ratio224%55.88%65.47%75.12%Beats 1%112 / 112n/a
Asset Quality
Nonperforming Loans / Loans1.14%n/a0.19%0.73%Beats 16%95 / 112n/a
Net Charge-Offs / Loans0.00%n/a0.00%0.04%Beats 100%45 / 112n/a
Capital
Tier 1 Capital Ratio12.99%11.86%13.49%17.55%Beats 39%68 / 112n/a
Total Risk-Based Capital Ratio14.26%11.93%14.17%18.27%Beats 52%54 / 112n/a
Equity / Assets4.77%7.43%9.66%12.20%Beats 5%106 / 112n/a
Liquidity & Funding
Loans / Deposits69.56%56.14%70.88%82.32%48th pctl58 / 112n/a
Loans / Assets56.38%48.38%57.96%68.03%47th pctl59 / 112n/a
Brokered Deposits / Depositsn/aNot reported for this institution