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Bison State Bank

Bison, KS · Cert 14083 · Bison Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

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 operating regionally (n=94). 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

34

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

17

Q2 2024Q2 2026peer median

Efficiency

15

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

Bison State Bank

Bison, KS · Cert 14083 · Bison Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$125.8MAssets
$99.1MLoans
$99.0MDeposits
$13.4MEquity
Loan mix
97%RE $113.8M2%C&I $2.9M0%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $80.0M19%Noninterest $19.0MQ2 2025Q2 2026

NIM

6.19%Q2 ’245.90%Q2 ’256.71%Q2 ’26-8%+9%

Non-interest income vs. expense

4.25%Q2 ’246.71%Q2 ’258.61%Q2 ’26-6%-31%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #79 of 114 inst. · $0.1B of $99.1B

0.2% Jackson
9.4% Rush

Executive Summary

  • Earnings: ROA of 1.01%, up 214 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 0.32% of loans (-45 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.26%, up 107 bps from a year ago.
  • Funding: loans stand at 100.10% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%+214 bps YoY

Net Interest Margin (YTD, annualized)

3.90%+33 bps YoY

Efficiency Ratio (YTD, annualized)

85.05%-1,320 bps YoY

Tier 1 Leverage Ratio

10.26%+107 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.13%-0.15%0.23%1.64%1.01%+214 bps
Return on Equity-11.99%-1.63%2.38%16.81%10.09%+2,208 bps
Net Interest Margin3.57%3.74%3.23%3.61%3.90%+33 bps
Efficiency Ratio98.25%87.46%85.83%78.42%85.05%-1,320 bps
Non-Interest Burden3.43%2.73%2.17%1.23%2.36%-106 bps
Growth
Asset Growth (YoY)10.44%22.48%32.82%40.62%23.90%+1,346 bps
Loan Growth (YoY)-1.69%20.00%48.89%53.57%38.40%+4,009 bps
Deposit Growth (YoY)17.51%11.54%17.17%20.14%8.80%-871 bps
Asset Quality
Nonperforming Loans / Loans0.77%0.81%0.70%0.12%0.32%-45 bps
Net Charge-Offs / Loans2.56%1.32%0.93%-0.01%-0.01%-256 bps
Allowance / Loans0.95%0.87%0.89%0.78%0.95%0 bps
Allowance Coverage of NPLs1.2x1.1x1.3x6.3x3.0x+1.7x
Capital
Tier 1 Leverage Ratio9.19%10.03%9.80%9.90%10.26%+107 bps
Total Risk-Based Capital9.19%10.03%9.80%9.90%10.26%+107 bps
Equity / Assets9.46%9.13%10.30%9.25%10.62%+116 bps
Liquidity & Funding
Loans / Deposits78.69%101.90%100.83%115.70%100.10%+2,141 bps
Liquid Assets / Assets0.82%0.48%2.00%2.33%4.54%+373 bps
CRE / Total Capitaln/a422%411%419%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

Bison State Bank

Bison, KS · Cert 14083 · Peer group: banks under $1B in assets operating regionally (n=94) · Bison Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$125.8MAssets
$99.1MLoans
$99.0MDeposits
$13.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating regionally (rank 12 of 94).
  • Widest gap: efficiency ratio trails 85% of banks under $1B in assets operating regionally (rank 81 of 94).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.05%

Rank 55 of 94

Net Interest Margin

3.90%

Rank 40 of 94

Efficiency Ratio

85.05%

Rank 81 of 94

Equity / Assets

10.62%

Rank 38 of 94

Non-interest income vs. expense

$7.7M$10.7MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 15% of banks under $1B in assets operating regionally
Bank 85.05%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.05%0.82%1.19%1.46%Beats 41%55 / 94
Return on Equity9.90%7.85%11.84%14.03%Beats 36%60 / 94
Net Interest Margin3.90%3.42%3.81%4.18%Beats 57%40 / 94
Efficiency Ratio85.05%55.99%62.41%73.02%Beats 15%81 / 94
Asset Quality
Nonperforming Loans / Loans0.32%0.19%0.47%1.14%Beats 59%40 / 94
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 100%12 / 94
Capital
Tier 1 Capital Ratio10.26%10.28%11.95%15.07%Beats 22%73 / 94
Total Risk-Based Capital Ratio10.26%10.31%12.59%15.88%Beats 20%75 / 94
Equity / Assets10.62%8.98%10.21%11.41%Beats 60%38 / 94
Liquidity & Funding
Loans / Deposits100.10%72.62%84.44%94.55%84th pctl15 / 94
Loans / Assets78.76%62.50%72.84%78.99%73rd pctl25 / 94
Brokered Deposits / Depositsn/aNot reported for this institution