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Letter portraitLegal landscapeQuarterYTD

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 $2.4MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $79.5M10%Noninterest $8.7MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.87%1.07%1.15%1.21%1.26%1.53%1.59%+44 bps
Return on Equity7.94%8.46%10.41%11.07%11.54%11.86%13.64%14.05%+299 bps
Net Interest Margin3.12%3.05%3.37%3.43%3.49%3.61%4.13%4.19%+76 bps
Efficiency Ratio67.48%66.26%59.98%58.07%56.95%56.82%52.52%51.14%-693 bps
Non-Interest Burden2.03%1.94%1.94%1.91%1.90%1.97%2.08%2.04%+13 bps
Growth
Asset Growth (YoY)4.96%6.80%8.81%5.84%5.58%3.03%3.11%2.41%-343 bps
Loan Growth (YoY)11.61%11.76%11.76%9.22%10.13%15.07%16.68%15.95%+673 bps
Deposit Growth (YoY)8.94%7.37%10.29%11.35%5.85%2.28%2.34%0.88%-1,047 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.13%0.11%0.06%0.00%0.01%0.03%0.00%-6 bps
Net Charge-Offs / Loans-0.02%-0.02%0.00%0.06%0.07%0.05%0.00%0.00%-6 bps
Allowance / Loans1.42%1.44%1.44%1.39%1.31%1.27%1.28%1.31%-9 bps
Allowance Coverage of NPLs10.7x10.9x13.1x24.3xn/a93.1x48.3xn/an/a
Capital
Tier 1 Leverage Ratio10.46%10.18%10.41%10.63%10.75%10.99%11.29%11.59%+96 bps
Total Risk-Based Capital10.46%10.18%10.41%10.63%10.75%10.99%11.29%11.59%+96 bps
Equity / Assets10.25%10.23%10.41%10.59%10.75%11.05%11.30%11.64%+105 bps
Liquidity & Funding
Loans / Deposits68.44%66.57%67.13%67.88%71.21%74.89%76.54%78.02%+1,014 bps
Liquid Assets / Assets35.00%33.81%33.37%33.36%33.20%30.46%28.41%28.47%-489 bps
CRE / Total Capitaln/an/an/an/a66.47%63.31%58.43%n/an/a