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Citizens State Bank, The

Gridley, KS · Cert 15111 · Flint Hills Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

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 in KS (n=98). 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

37

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

87

Q2 2024Q2 2026peer median (50)

Liquidity

69

Q2 2024Q2 2026peer median

Efficiency

90

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

Citizens State Bank, The

Gridley, KS · Cert 15111 · Flint Hills Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$336.2MAssets
$224.8MLoans
$294.5MDeposits
$39.4MEquity
Loan mix
74%RE $100.0M21%C&I $28.9M5%Consumer $7.1MQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $207.3M30%Noninterest $87.2MQ3 2024Q2 2026

Market Position · Topeka, KS · 2026 SOD (annual) · 0.3% share · #28 of 30 inst. · $0.0B of $7.1B

30.0% Coffey
81.5% Chase
6.1% Lyon
18.7% Greenwood

Executive Summary

  • Earnings: ROA of 1.81%, up 16 bps year over year; NIM at 4.46%.
  • Asset quality: problem loans at 0.58% of loans (-45 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.08%, up 64 bps from a year ago.
  • Funding: loans stand at 76.34% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.81%+16 bps YoY

Net Interest Margin (YTD, annualized)

4.46%+12 bps YoY

Efficiency Ratio (YTD, annualized)

45.43%-543 bps YoY

Tier 1 Leverage Ratio

12.08%+64 bps YoY

NIM

4.96%Q2 ’245.49%Q2 ’255.42%Q2 ’26+18%+3%

Non-interest income vs. expense

2.25%Q2 ’242.54%Q2 ’252.31%Q2 ’26+16%-9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.40%1.79%1.66%1.73%1.67%2.06%1.81%+16 bps
Return on Equity16.18%15.74%17.96%16.27%16.61%15.85%18.38%15.93%-34 bps
Net Interest Margin3.67%3.77%4.17%4.34%4.31%4.28%4.34%4.46%+12 bps
Efficiency Ratio52.84%54.36%48.95%50.86%49.30%51.97%43.21%45.43%-543 bps
Non-Interest Burden1.78%1.89%1.86%2.04%1.96%2.06%1.68%1.85%-19 bps
Growth
Asset Growth (YoY)4.17%0.09%-0.05%1.68%3.44%6.12%8.33%6.06%+437 bps
Loan Growth (YoY)12.54%14.69%15.25%11.91%7.76%4.27%4.59%5.82%-609 bps
Deposit Growth (YoY)2.43%-1.34%-2.38%1.59%1.83%4.48%7.08%4.79%+320 bps
Asset Quality
Nonperforming Loans / Loans0.77%0.20%1.22%1.04%0.53%0.24%0.48%0.58%-45 bps
Net Charge-Offs / Loans0.01%0.04%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.24%1.14%1.06%1.10%1.29%1.26%1.17%1.32%+22 bps
Allowance Coverage of NPLs1.6x5.7x0.9x1.1x2.4x5.3x2.4x2.3x+1.2x
Capital
Tier 1 Leverage Ratio10.21%10.60%10.97%11.44%11.60%11.80%11.73%12.08%+64 bps
Total Risk-Based Capital10.21%10.60%10.97%11.44%11.60%11.80%11.73%12.08%+64 bps
Equity / Assets9.68%9.58%10.36%10.58%11.08%11.02%11.40%11.72%+114 bps
Liquidity & Funding
Loans / Deposits63.99%66.34%73.15%75.60%67.72%66.21%71.45%76.34%+74 bps
Liquid Assets / Assets2.46%2.55%2.75%2.88%3.50%4.63%6.27%2.56%-32 bps
CRE / Total Capitaln/an/an/an/a37.68%30.86%29.22%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

Citizens State Bank, The

Gridley, KS · Cert 15111 · Peer group: banks under $1B in assets in KS (n=98) · Flint Hills Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$336.2MAssets
$224.8MLoans
$294.5MDeposits
$39.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: total risk-based capital ratio trails 73% of banks under $1B in assets in KS (rank 72 of 98).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.81%

Rank 8 of 98

Net Interest Margin

4.46%

Rank 8 of 98

Efficiency Ratio

46.99%

Rank 11 of 98

Equity / Assets

11.72%

Rank 43 of 98

Non-interest income vs. expense

$1.6M$7.9MINCOMEEXPENSE
Unfavorable gap of $6.3M · efficiency ratio beats 90% of banks under $1B in assets in KS
Bank 46.99%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.81%1.03%1.24%1.54%Beats 92%8 / 98
Return on Equity15.46%8.85%11.58%14.73%Beats 77%23 / 98
Net Interest Margin4.46%3.24%3.62%3.91%Beats 92%8 / 98
Efficiency Ratio46.99%51.87%58.88%64.74%Beats 90%11 / 98
Asset Quality
Nonperforming Loans / Loans0.58%0.01%0.33%1.05%Beats 39%61 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio12.08%11.81%13.71%17.33%Beats 29%70 / 98
Total Risk-Based Capital Ratio12.08%11.81%14.13%17.45%Beats 27%72 / 98
Equity / Assets11.72%8.60%11.34%13.10%Beats 56%43 / 98
Liquidity & Funding
Loans / Deposits76.34%57.09%69.84%82.47%63rd pctl36 / 98
Loans / Assets66.88%49.34%58.31%68.94%68th pctl31 / 98
Brokered Deposits / Depositsn/aNot reported for this institution