PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 0.91%, 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.

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

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%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.10%0.13%0.43%0.47%-2.02%0.65%0.91%+48 bps
Return on Equity1.71%0.82%1.02%3.20%3.37%-14.57%5.08%7.11%+391 bps
Net Interest Margin2.50%2.49%2.66%2.86%2.85%2.85%2.92%3.09%+23 bps
Efficiency Ratio94.28%96.05%90.52%84.43%80.89%439%80.87%68.38%-1,604 bps
Non-Interest Burden2.34%2.38%2.38%2.39%2.23%5.34%2.26%1.99%-40 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-0.23%6.84%-0.24%-0.23%-0.21%-0.22%-0.23%-0.20%+2 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