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Johnson State Bank

Johnson, KS · Cert 15237 · Johnson State Bancshares Inc.

State charter, non-member · FDIC · 2 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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

8

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

7

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

Johnson State Bank

Johnson, KS · Cert 15237 · Johnson State Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$96.6MAssets
$35.7MLoans
$80.7MDeposits
$12.7MEquity
Loan mix
86%RE $26.4M10%C&I $3.1M4%Consumer $1.1MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $58.9M27%Noninterest $21.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.79%, up 51 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.12% of loans (-1 bps YoY), with net recoveries of 0.21%.
  • Capital: tier 1 leverage ratio of 14.72%, down 179 bps from a year ago.
  • Funding: loans stand at 44.28% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.79%+51 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+16 bps YoY

Efficiency Ratio (YTD, annualized)

74.47%-1,300 bps YoY

Tier 1 Leverage Ratio

14.72%-179 bps YoY

NIM

3.98%Q2 ’244.21%Q2 ’254.26%Q2 ’26+12%+6%

Non-interest income vs. expense

2.54%Q2 ’242.67%Q2 ’252.53%Q2 ’26+8%-14%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.70%-0.50%0.13%0.27%0.38%-0.16%0.65%0.79%+51 bps
Return on Equity-5.72%-4.09%1.02%2.13%2.85%-1.22%5.08%6.08%+395 bps
Net Interest Margin2.52%2.51%2.66%2.80%2.84%2.81%2.92%2.96%+16 bps
Efficiency Ratio92.22%93.16%90.52%87.47%85.22%111.21%80.87%74.47%-1,300 bps
Non-Interest Burden2.30%2.32%2.38%2.42%2.38%3.09%2.26%2.09%-33 bps
Growth
Asset Growth (YoY)-2.31%-0.03%-3.52%-6.22%-2.80%1.24%11.13%9.41%+1,563 bps
Loan Growth (YoY)-0.14%-5.61%1.64%-3.83%6.85%13.30%4.53%1.10%+494 bps
Deposit Growth (YoY)-4.55%1.91%-5.09%-10.03%-4.40%0.09%12.72%12.26%+2,229 bps
Asset Quality
Nonperforming Loans / Loans8.81%0.20%0.17%0.14%0.13%0.13%0.12%0.12%-1 bps
Net Charge-Offs / Loans-0.22%1.53%-0.24%-0.22%-0.22%-0.22%-0.23%-0.21%+1 bps
Allowance / Loans5.44%4.21%4.04%3.71%3.73%3.87%4.10%3.88%+17 bps
Allowance Coverage of NPLs0.6x21.2x23.9x27.4x28.9x30.7x33.4x31.5x+4.2x
Capital
Tier 1 Leverage Ratio15.96%15.96%15.89%16.51%16.84%16.06%15.03%14.72%-179 bps
Total Risk-Based Capital15.96%15.96%15.89%16.51%16.84%16.06%15.03%14.72%-179 bps
Equity / Assets13.16%12.05%12.93%13.66%14.43%13.34%12.36%13.18%-48 bps
Liquidity & Funding
Loans / Deposits43.84%39.33%42.29%49.17%48.99%44.53%39.22%44.28%-489 bps
Liquid Assets / Assets3.26%3.22%3.31%2.83%2.24%5.16%13.14%5.85%+302 bps
CRE / Total Capitaln/an/an/an/a29.45%28.99%29.11%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

Johnson State Bank

Johnson, KS · Cert 15237 · Peer group: banks under $1B in assets in KS (n=98) · Johnson State Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$96.6MAssets
$35.7MLoans
$80.7MDeposits
$12.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: efficiency ratio trails 93% of banks under $1B in assets in KS (rank 92 of 98).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.79%

Rank 87 of 98

Net Interest Margin

2.96%

Rank 91 of 98

Efficiency Ratio

74.47%

Rank 92 of 98

Equity / Assets

13.18%

Rank 23 of 98

Non-interest income vs. expense

$0.4M$2.5MINCOMEEXPENSE
Unfavorable gap of $2.1M · efficiency ratio beats 7% of banks under $1B in assets in KS
Bank 74.47%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.79%1.03%1.24%1.54%Beats 11%87 / 98
Return on Equity6.00%8.85%11.58%14.73%Beats 7%91 / 98
Net Interest Margin2.96%3.24%3.62%3.91%Beats 7%91 / 98
Efficiency Ratio74.47%51.87%58.88%64.74%Beats 7%92 / 98
Asset Quality
Nonperforming Loans / Loans0.12%0.01%0.33%1.05%Beats 65%35 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio14.72%11.81%13.71%17.33%Beats 59%40 / 98
Total Risk-Based Capital Ratio14.72%11.81%14.13%17.45%Beats 55%44 / 98
Equity / Assets13.18%8.60%11.34%13.10%Beats 77%23 / 98
Liquidity & Funding
Loans / Deposits44.28%57.09%69.84%82.47%9th pctl89 / 98
Loans / Assets36.99%49.34%58.31%68.94%8th pctl90 / 98
Brokered Deposits / Depositsn/aNot reported for this institution