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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 1.21%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.88%1.10%1.17%1.14%0.99%1.09%1.21%+4 bps
Return on Equity8.06%8.28%10.15%10.52%10.00%8.65%9.33%10.41%-11 bps
Net Interest Margin2.92%2.91%3.14%3.10%3.11%3.06%3.21%3.10%0 bps
Efficiency Ratio65.13%63.80%57.80%55.25%56.20%61.67%58.94%54.09%-116 bps
Non-Interest Burden1.87%1.86%1.78%1.68%1.71%1.86%1.86%1.65%-3 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 / Loans-0.05%-0.04%-0.02%-0.32%-0.15%-0.10%-0.02%-0.33%-1 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