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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 $1.1MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $58.9M27%Noninterest $21.8MQ2 2025Q2 2026

NIM

4.03%Q2 ’244.21%Q2 ’254.47%Q2 ’26+16%+8%

Non-interest income vs. expense

2.44%Q2 ’242.58%Q2 ’252.38%Q2 ’26+7%-17%

Executive Summary

  • Earnings: ROA of 0.91%, up 48 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.12% of loans (-1 bps YoY), with net recoveries of 0.20%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.91%+48 bps YoY

Net Interest Margin (quarter, annualized)

3.09%+23 bps YoY

Efficiency Ratio (quarter, annualized)

68.38%-1,604 bps YoY

Tier 1 Leverage Ratio

14.72%-179 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.47%-2.02%0.65%0.91%+48 bps
Return on Equity3.20%3.37%-14.57%5.08%7.11%+391 bps
Net Interest Margin2.86%2.85%2.85%2.92%3.09%+23 bps
Efficiency Ratio84.43%80.89%439%80.87%68.38%-1,604 bps
Non-Interest Burden2.39%2.23%5.34%2.26%1.99%-40 bps
Growth
Asset Growth (YoY)-6.22%-2.80%1.24%11.13%9.41%+1,563 bps
Loan Growth (YoY)-3.83%6.85%13.30%4.53%1.10%+494 bps
Deposit Growth (YoY)-10.03%-4.40%0.09%12.72%12.26%+2,229 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.13%0.13%0.12%0.12%-1 bps
Net Charge-Offs / Loans-0.23%-0.21%-0.22%-0.23%-0.20%+2 bps
Allowance / Loans3.71%3.73%3.87%4.10%3.88%+17 bps
Allowance Coverage of NPLs27.4x28.9x30.7x33.4x31.5x+4.2x
Capital
Tier 1 Leverage Ratio16.51%16.84%16.06%15.03%14.72%-179 bps
Total Risk-Based Capital16.51%16.84%16.06%15.03%14.72%-179 bps
Equity / Assets13.66%14.43%13.34%12.36%13.18%-48 bps
Liquidity & Funding
Loans / Deposits49.17%48.99%44.53%39.22%44.28%-489 bps
Liquid Assets / Assets2.83%2.24%5.16%13.14%5.85%+302 bps
CRE / Total Capitaln/a29.45%28.99%29.11%n/an/a