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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

4.90%Q2 ’245.33%Q2 ’255.82%Q2 ’26+12%+22%

Non-interest income vs. expense

2.41%Q2 ’242.09%Q2 ’252.24%Q2 ’26-14%+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 1.66%, up 43 bps year over year; NIM at 4.28%.
  • 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 (quarter, annualized)

1.66%+43 bps YoY

Net Interest Margin (quarter, annualized)

4.28%+76 bps YoY

Efficiency Ratio (quarter, annualized)

49.83%-642 bps YoY

Tier 1 Leverage Ratio

11.59%+96 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.33%1.39%1.53%1.66%+43 bps
Return on Equity11.72%12.45%12.77%13.64%14.46%+274 bps
Net Interest Margin3.52%3.72%4.04%4.13%4.28%+76 bps
Efficiency Ratio56.26%54.91%56.48%52.52%49.83%-642 bps
Non-Interest Burden1.89%1.96%2.20%2.08%2.02%+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 / Loans0.13%0.09%0.00%0.00%0.00%-13 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