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Exchange State Bank

Saint Paul, KS · Cert 14556 · Southeast KS Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

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 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 in KS (n=98). 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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

78

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

Exchange State Bank

Saint Paul, KS · Cert 14556 · Southeast KS Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (4 in holding)

Q2 2026

$105.0MAssets
$68.8MLoans
$88.1MDeposits
$12.2MEquity
Loan mix
72%RE $37.5M24%C&I $12.3M5%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $79.5M10%Noninterest $8.7MQ2 2025Q2 2026

NIM

4.77%Q2 ’245.19%Q2 ’255.73%Q2 ’26+9%+22%

Non-interest income vs. expense

2.33%Q2 ’242.11%Q2 ’252.25%Q2 ’26-9%+7%

Market Position · Joplin, MO-KS · 2026 SOD (annual) · 0.5% share · #21 of 22 inst. · $0.0B of $4.9B

5.3% Neosho
2.6% Crawford
6.7% Cherokee

Executive Summary

  • Earnings: ROA of 1.59%, up 44 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 0.00% of loans (-6 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.59%, up 96 bps from a year ago.
  • Funding: loans stand at 78.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.59%+44 bps YoY

Net Interest Margin (YTD, annualized)

4.19%+76 bps YoY

Efficiency Ratio (YTD, annualized)

51.14%-693 bps YoY

Tier 1 Leverage Ratio

11.59%+96 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.21%1.26%1.53%1.59%+44 bps
Return on Equity11.07%11.54%11.86%13.64%14.05%+299 bps
Net Interest Margin3.43%3.49%3.61%4.13%4.19%+76 bps
Efficiency Ratio58.07%56.95%56.82%52.52%51.14%-693 bps
Non-Interest Burden1.91%1.90%1.97%2.08%2.04%+13 bps
Growth
Asset Growth (YoY)5.84%5.58%3.03%3.11%2.41%-343 bps
Loan Growth (YoY)9.22%10.13%15.07%16.68%15.95%+673 bps
Deposit Growth (YoY)11.35%5.85%2.28%2.34%0.88%-1,047 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.00%0.01%0.03%0.00%-6 bps
Net Charge-Offs / Loans0.06%0.07%0.05%0.00%0.00%-6 bps
Allowance / Loans1.39%1.31%1.27%1.28%1.31%-9 bps
Allowance Coverage of NPLs24.3xn/a93.1x48.3xn/an/a
Capital
Tier 1 Leverage Ratio10.63%10.75%10.99%11.29%11.59%+96 bps
Total Risk-Based Capital10.63%10.75%10.99%11.29%11.59%+96 bps
Equity / Assets10.59%10.75%11.05%11.30%11.64%+105 bps
Liquidity & Funding
Loans / Deposits67.88%71.21%74.89%76.54%78.02%+1,014 bps
Liquid Assets / Assets33.36%33.20%30.46%28.41%28.47%-489 bps
CRE / Total Capitaln/a66.47%63.31%58.43%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

Exchange State Bank

Saint Paul, KS · Cert 14556 · Peer group: banks under $1B in assets in KS (n=98) · Southeast KS Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (4 in holding)

Q2 2026

$105.0MAssets
$68.8MLoans
$88.1MDeposits
$12.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 98).
  • Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets in KS (rank 79 of 98).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.59%

Rank 20 of 98

Net Interest Margin

4.19%

Rank 19 of 98

Efficiency Ratio

51.14%

Rank 23 of 98

Equity / Assets

11.64%

Rank 44 of 98

Non-interest income vs. expense

$0.2M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 78% of banks under $1B in assets in KS
Bank 51.14%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.59%1.03%1.24%1.54%Beats 80%20 / 98
Return on Equity13.62%8.85%11.58%14.73%Beats 70%29 / 98
Net Interest Margin4.19%3.24%3.62%3.91%Beats 81%19 / 98
Efficiency Ratio51.14%51.87%58.88%64.74%Beats 78%23 / 98
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.33%1.05%Beats 100%17 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio11.59%11.81%13.71%17.33%Beats 19%79 / 98
Total Risk-Based Capital Ratio11.59%11.81%14.13%17.45%Beats 19%79 / 98
Equity / Assets11.64%8.60%11.34%13.10%Beats 55%44 / 98
Liquidity & Funding
Loans / Deposits78.02%57.09%69.84%82.47%65th pctl34 / 98
Loans / Assets65.46%49.34%58.31%68.94%63rd pctl36 / 98
Brokered Deposits / Depositsn/aNot reported for this institution