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Union State Bank

Olsburg, KS · Cert 15098

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 in a single state3

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 in a single state (n=743 to 746). 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

84

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

10

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

Union State Bank

Olsburg, KS · Cert 15098

State charter, non-member · FDIC · 2 branches

Q2 2026

$44.3MAssets
$19.3MLoans
$39.1MDeposits
$5.1MEquity
Loan mix
57%RE $5.4M28%C&I $2.7M15%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $39.1M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

4.19%Q2 ’244.54%Q2 ’254.50%Q2 ’26+7%+0%

Non-interest income vs. expense

1.98%Q2 ’241.76%Q2 ’251.72%Q2 ’26-12%-2%

Market Position · Manhattan, KS · 2026 SOD (annual) · 0.9% share · #17 of 22 inst. · $0.0B of $4.5B

3.0% Pottawatomie
0.4% Riley

Executive Summary

  • Earnings: ROA of 1.21%, up 4 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.33%.
  • Capital: tier 1 leverage ratio of 12.65%, down 33 bps from a year ago.
  • Funding: loans stand at 49.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.10%0 bps YoY

Efficiency Ratio (YTD, annualized)

54.09%-116 bps YoY

Tier 1 Leverage Ratio

12.65%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.14%0.99%1.09%1.21%+4 bps
Return on Equity10.52%10.00%8.65%9.33%10.41%-11 bps
Net Interest Margin3.10%3.11%3.06%3.21%3.10%0 bps
Efficiency Ratio55.25%56.20%61.67%58.94%54.09%-116 bps
Non-Interest Burden1.68%1.71%1.86%1.86%1.65%-3 bps
Growth
Asset Growth (YoY)6.64%3.53%9.00%6.68%11.62%+499 bps
Loan Growth (YoY)15.03%15.21%18.43%13.79%14.19%-84 bps
Deposit Growth (YoY)5.16%2.43%7.72%5.94%11.85%+669 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.32%-0.15%-0.10%-0.02%-0.33%-1 bps
Allowance / Loans4.31%4.25%3.57%3.77%3.91%-41 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.98%13.29%13.04%12.81%12.65%-33 bps
Total Risk-Based Capital30.59%29.88%27.02%27.64%30.80%+21 bps
Equity / Assets11.66%12.26%11.77%11.54%11.44%-21 bps
Liquidity & Funding
Loans / Deposits48.40%48.69%54.88%50.39%49.42%+101 bps
Liquid Assets / Assets26.49%28.56%18.14%23.36%24.38%-211 bps
CRE / Total Capitaln/a9.27%9.02%8.77%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

Union State Bank

Olsburg, KS · Cert 15098 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 2 branches

Q2 2026

$44.3MAssets
$19.3MLoans
$39.1MDeposits
$5.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: net interest margin trails 78% of banks under $1B in assets operating in a single state (rank 580 of 746).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.17%

Rank 309 of 746

Net Interest Margin

3.10%

Rank 580 of 746

Efficiency Ratio

54.09%

Rank 168 of 746

Equity / Assets

11.44%

Rank 287 of 746

Non-interest income vs. expense

$30K$780KINCOMEEXPENSE
Unfavorable gap of $750K · efficiency ratio beats 78% of banks under $1B in assets operating in a single state
Bank 54.09%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.72%1.06%1.45%Beats 59%309 / 746
Return on Equity10.26%6.74%10.51%13.63%Beats 49%384 / 746
Net Interest Margin3.10%3.17%3.68%4.16%Beats 22%580 / 746
Efficiency Ratio54.09%55.74%64.58%75.47%Beats 78%168 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio28.19%11.55%13.75%17.60%Beats 94%46 / 746
Total Risk-Based Capital Ratio30.80%11.71%14.33%18.43%Beats 95%39 / 746
Equity / Assets11.44%8.90%10.51%13.06%Beats 62%287 / 746
Liquidity & Funding
Loans / Deposits49.42%61.31%78.27%90.78%13th pctl652 / 746
Loans / Assets43.62%53.60%66.97%76.08%13th pctl648 / 746
Brokered Deposits / Depositsn/aNot reported for this institution