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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

$336.2MAssets
$224.8MLoans
$294.5MDeposits
$39.4MEquity
Loan mix
74%RE $100.0M21%C&I $28.9M5%Consumer $7.1MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $207.3M30%Noninterest $87.2MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.66%1.73%1.67%2.06%1.81%+16 bps
Return on Equity16.27%16.61%15.85%18.38%15.93%-34 bps
Net Interest Margin4.34%4.31%4.28%4.34%4.46%+12 bps
Efficiency Ratio50.86%49.30%51.97%43.21%45.43%-543 bps
Non-Interest Burden2.04%1.96%2.06%1.68%1.85%-19 bps
Growth
Asset Growth (YoY)1.68%3.44%6.12%8.33%6.06%+437 bps
Loan Growth (YoY)11.91%7.76%4.27%4.59%5.82%-609 bps
Deposit Growth (YoY)1.59%1.83%4.48%7.08%4.79%+320 bps
Asset Quality
Nonperforming Loans / Loans1.04%0.53%0.24%0.48%0.58%-45 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.10%1.29%1.26%1.17%1.32%+22 bps
Allowance Coverage of NPLs1.1x2.4x5.3x2.4x2.3x+1.2x
Capital
Tier 1 Leverage Ratio11.44%11.60%11.80%11.73%12.08%+64 bps
Total Risk-Based Capital11.44%11.60%11.80%11.73%12.08%+64 bps
Equity / Assets10.58%11.08%11.02%11.40%11.72%+114 bps
Liquidity & Funding
Loans / Deposits75.60%67.72%66.21%71.45%76.34%+74 bps
Liquid Assets / Assets2.88%3.50%4.63%6.27%2.56%-32 bps
CRE / Total Capitaln/a37.68%30.86%29.22%n/an/a