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Letter portraitLegal landscapeQuarterYTD

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 1.56%, up 3 bps year over year; NIM at 4.58%.
  • 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 (quarter, annualized)

1.56%+3 bps YoY

Net Interest Margin (quarter, annualized)

4.58%+12 bps YoY

Efficiency Ratio (quarter, annualized)

47.56%-515 bps YoY

Tier 1 Leverage Ratio

12.08%+64 bps YoY

NIM

5.05%Q2 ’245.60%Q2 ’255.53%Q2 ’26+19%+3%

Non-interest income vs. expense

2.24%Q2 ’242.68%Q2 ’252.47%Q2 ’26+26%-8%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.37%1.79%1.53%1.87%1.52%2.06%1.56%+3 bps
Return on Equity14.01%14.28%17.96%14.61%17.29%13.75%18.38%13.53%-108 bps
Net Interest Margin3.75%3.98%4.17%4.46%4.47%4.38%4.34%4.58%+12 bps
Efficiency Ratio54.02%58.59%48.95%52.71%46.33%59.55%43.21%47.56%-515 bps
Non-Interest Burden1.87%2.18%1.86%2.21%1.88%2.44%1.68%2.02%-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 / Loans0.02%0.14%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