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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 $1.5MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $39.1M0%Noninterest $0.0MQ3 2024Q2 2026

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 1.32%, up 10 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.64%.
  • 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.

Return on Assets (quarter, annualized)

1.32%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.13%+1 bps YoY

Efficiency Ratio (quarter, annualized)

49.31%-342 bps YoY

Tier 1 Leverage Ratio

12.65%-33 bps YoY

NIM

4.29%Q2 ’244.60%Q2 ’254.55%Q2 ’26+6%+0%

Non-interest income vs. expense

1.90%Q2 ’241.69%Q2 ’251.57%Q2 ’26-11%-6%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.95%1.10%1.22%1.08%0.56%1.09%1.32%+10 bps
Return on Equity8.47%8.54%10.15%10.84%9.06%4.69%9.33%11.50%+66 bps
Net Interest Margin2.97%3.10%3.14%3.12%3.11%3.09%3.21%3.13%+1 bps
Efficiency Ratio62.37%60.13%57.80%52.73%58.10%77.95%58.94%49.31%-342 bps
Non-Interest Burden1.82%1.93%1.78%1.61%1.78%2.39%1.86%1.51%-10 bps
Growth
Asset Growth (YoY)7.64%6.00%9.56%6.64%3.53%9.00%6.68%11.62%+499 bps
Loan Growth (YoY)10.66%6.43%14.54%15.03%15.21%18.43%13.79%14.19%-84 bps
Deposit Growth (YoY)5.63%5.67%8.51%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.02%-0.02%-0.62%0.19%-0.04%-0.02%-0.64%-3 bps
Allowance / Loans4.76%4.11%4.17%4.31%4.25%3.57%3.77%3.91%-41 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.09%12.94%12.89%12.98%13.29%13.04%12.81%12.65%-33 bps
Total Risk-Based Capital32.72%27.62%28.64%30.59%29.88%27.02%27.64%30.80%+21 bps
Equity / Assets11.36%10.76%10.94%11.66%12.26%11.77%11.54%11.44%-21 bps
Liquidity & Funding
Loans / Deposits43.29%49.92%46.92%48.40%48.69%54.88%50.39%49.42%+101 bps
Liquid Assets / Assets25.59%24.76%26.93%26.49%28.56%18.14%23.36%24.38%-211 bps
CRE / Total Capitaln/an/an/an/a9.27%9.02%8.77%n/an/a