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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 $1.1MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $83.9M23%Noninterest $25.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.66%, unchanged from a year ago; NIM at 2.85%.
  • 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.

Return on Assets (quarter, annualized)

0.66%0 bps YoY

Net Interest Margin (quarter, annualized)

2.85%+16 bps YoY

Efficiency Ratio (quarter, annualized)

72.74%+11 bps YoY

Tier 1 Leverage Ratio

8.25%0 bps YoY

NIM

4.50%Q2 ’244.84%Q2 ’254.83%Q2 ’26+20%+6%

Non-interest income vs. expense

1.97%Q2 ’242.08%Q2 ’252.22%Q2 ’26+7%+6%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.41%0.76%0.66%0.91%0.37%0.75%0.66%0 bps
Return on Equity4.15%6.30%11.36%9.53%12.64%5.14%10.55%9.26%-27 bps
Net Interest Margin2.20%2.31%2.56%2.69%2.64%2.65%2.83%2.85%+16 bps
Efficiency Ratio87.70%90.54%69.97%72.63%68.04%83.96%65.96%72.74%+11 bps
Non-Interest Burden1.90%2.08%1.74%1.90%1.73%2.20%1.81%2.01%+11 bps
Growth
Asset Growth (YoY)8.75%0.77%0.50%0.54%-1.36%4.20%5.25%4.63%+409 bps
Loan Growth (YoY)11.73%4.55%6.57%3.51%-1.11%8.79%11.62%12.46%+895 bps
Deposit Growth (YoY)9.13%1.10%1.28%5.31%-2.15%3.67%12.44%9.83%+452 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.00%0 bps
Net Charge-Offs / Loans0.06%0.69%-0.02%-0.11%-0.02%-0.01%-0.01%0.00%+11 bps
Allowance / Loans1.57%1.36%1.39%1.41%1.44%1.29%1.31%1.33%-9 bps
Allowance Coverage of NPLs154.0x159.3x159.8x195.6x196.2x245.5x252.0x344.3x+148.7x
Capital
Tier 1 Leverage Ratio7.82%8.06%8.12%8.25%8.35%8.17%7.86%8.25%0 bps
Total Risk-Based Capital15.66%15.54%16.19%16.21%16.78%15.23%15.36%15.26%-96 bps
Equity / Assets6.60%6.48%6.84%6.94%7.41%7.13%7.00%7.20%+26 bps
Liquidity & Funding
Loans / Deposits68.31%72.41%68.25%69.68%69.04%76.00%67.76%71.35%+167 bps
Liquid Assets / Assets25.24%24.66%24.55%25.37%26.50%23.11%25.37%23.01%-236 bps
CRE / Total Capitaln/an/an/an/a65.43%64.44%51.38%n/an/a