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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