PackageTrendsPeer
Letter portraitLegal landscape

Elk State Bank

Clyde, KS · Cert 15259 · Elkcorp Inc.

State charter, non-member · FDIC · 3 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

91

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

15

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

Elk State Bank

Clyde, KS · Cert 15259 · Elkcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$138.7MAssets
$77.8MLoans
$109.0MDeposits
$10.0MEquity
Loan mix
83%RE $40.3M15%C&I $7.0M2%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $83.9M23%Noninterest $25.2MQ2 2025Q2 2026

NIM

4.48%Q2 ’244.83%Q2 ’254.94%Q2 ’26+16%+10%

Non-interest income vs. expense

2.01%Q2 ’242.01%Q2 ’252.14%Q2 ’26+0%+7%

Executive Summary

  • Earnings: ROA of 0.70%, unchanged from a year ago; NIM at 2.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.25%, unchanged from a year ago.
  • Funding: loans stand at 71.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%0 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+26 bps YoY

Efficiency Ratio (YTD, annualized)

69.31%-202 bps YoY

Tier 1 Leverage Ratio

8.25%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.77%0.67%0.75%0.70%0 bps
Return on Equity10.48%11.18%9.62%10.55%9.89%-59 bps
Net Interest Margin2.64%2.61%2.59%2.83%2.90%+26 bps
Efficiency Ratio71.32%70.21%73.72%65.96%69.31%-202 bps
Non-Interest Burden1.83%1.78%1.86%1.81%1.95%+12 bps
Growth
Asset Growth (YoY)0.54%-1.36%4.20%5.25%4.63%+409 bps
Loan Growth (YoY)3.51%-1.11%8.79%11.62%12.46%+895 bps
Deposit Growth (YoY)5.31%-2.15%3.67%12.44%9.83%+452 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.01%0.01%0.00%0 bps
Net Charge-Offs / Loans-0.06%-0.05%-0.03%-0.01%0.00%+6 bps
Allowance / Loans1.41%1.44%1.29%1.31%1.33%-9 bps
Allowance Coverage of NPLs195.6x196.2x245.5x252.0x344.3x+148.7x
Capital
Tier 1 Leverage Ratio8.25%8.35%8.17%7.86%8.25%0 bps
Total Risk-Based Capital16.21%16.78%15.23%15.36%15.26%-96 bps
Equity / Assets6.94%7.41%7.13%7.00%7.20%+26 bps
Liquidity & Funding
Loans / Deposits69.68%69.04%76.00%67.76%71.35%+167 bps
Liquid Assets / Assets25.37%26.50%23.11%25.37%23.01%-236 bps
CRE / Total Capitaln/a65.43%64.44%51.38%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

Elk State Bank

Clyde, KS · Cert 15259 · Peer group: banks under $1B in assets in KS (n=98) · Elkcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$138.7MAssets
$77.8MLoans
$109.0MDeposits
$10.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: net interest margin trails 96% of banks under $1B in assets in KS (rank 94 of 98).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.71%

Rank 90 of 98

Net Interest Margin

2.90%

Rank 94 of 98

Efficiency Ratio

69.31%

Rank 84 of 98

Equity / Assets

7.20%

Rank 87 of 98

Non-interest income vs. expense

$0.3M$3.0MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 15% of banks under $1B in assets in KS
Bank 69.31%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.71%1.03%1.24%1.54%Beats 8%90 / 98
Return on Equity9.83%8.85%11.58%14.73%Beats 34%65 / 98
Net Interest Margin2.90%3.24%3.62%3.91%Beats 4%94 / 98
Efficiency Ratio69.31%51.87%58.88%64.74%Beats 15%84 / 98
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.33%1.05%Beats 81%20 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio14.01%11.81%13.71%17.33%Beats 53%46 / 98
Total Risk-Based Capital Ratio15.26%11.81%14.13%17.45%Beats 59%40 / 98
Equity / Assets7.20%8.60%11.34%13.10%Beats 11%87 / 98
Liquidity & Funding
Loans / Deposits71.35%57.09%69.84%82.47%53rd pctl46 / 98
Loans / Assets56.10%49.34%58.31%68.94%44th pctl55 / 98
Brokered Deposits / Depositsn/aNot reported for this institution