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Denison State Bank, The

Holton, KS · Cert 15305 · Denison Bancshares Inc. Holton

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

14

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

88

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

Denison State Bank, The

Holton, KS · Cert 15305 · Denison Bancshares Inc. Holton

State charter, non-member · FDIC · 5 branches

Q2 2026

$453.6MAssets
$303.7MLoans
$369.3MDeposits
$74.8MEquity
Loan mix
74%RE $169.0M21%C&I $47.8M5%Consumer $12.3MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $305.2M17%Noninterest $64.1MQ2 2025Q2 2026

NIM

4.71%Q2 ’245.06%Q2 ’255.33%Q2 ’26+12%+12%

Non-interest income vs. expense

2.09%Q2 ’242.12%Q2 ’252.30%Q2 ’26+5%+6%

Market Position · Topeka, KS · 2026 SOD (annual) · 5.2% share · #5 of 30 inst. · $0.4B of $7.1B

67.8% Jackson
24.6% Jefferson
0.3% Shawnee

Executive Summary

  • Earnings: ROA of 1.57%, down 12 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 1.08% of loans (+56 bps YoY), with net charge-offs at 0.82%.
  • Capital: tier 1 leverage ratio of 17.53%, up 97 bps from a year ago.
  • Funding: loans stand at 82.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.57%-12 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+43 bps YoY

Efficiency Ratio (YTD, annualized)

48.86%-185 bps YoY

Tier 1 Leverage Ratio

17.53%+97 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.68%1.80%1.49%1.31%1.57%-12 bps
Return on Equity11.90%12.39%10.13%8.41%9.89%-202 bps
Net Interest Margin3.52%3.62%3.63%3.98%3.95%+43 bps
Efficiency Ratio50.71%49.36%50.89%46.76%48.86%-185 bps
Non-Interest Burden1.46%1.43%1.49%1.46%1.54%+8 bps
Growth
Asset Growth (YoY)3.33%2.53%2.38%1.58%-0.74%-407 bps
Loan Growth (YoY)5.70%4.49%4.78%2.82%2.31%-338 bps
Deposit Growth (YoY)1.43%0.88%0.13%0.43%-1.69%-312 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.27%0.80%0.83%1.08%+56 bps
Net Charge-Offs / Loans0.08%0.04%0.51%-0.01%0.82%+73 bps
Allowance / Loans1.08%1.04%1.07%1.42%1.02%-6 bps
Allowance Coverage of NPLs2.1x3.9x1.3x1.7x0.9x-1.1x
Capital
Tier 1 Leverage Ratio16.56%17.22%16.83%17.27%17.53%+97 bps
Total Risk-Based Capital16.56%17.22%16.83%17.27%17.53%+97 bps
Equity / Assets14.88%15.77%15.34%15.70%16.49%+162 bps
Liquidity & Funding
Loans / Deposits79.02%80.30%80.52%79.58%82.24%+322 bps
Liquid Assets / Assets0.98%2.22%2.94%3.49%0.38%-60 bps
CRE / Total Capitaln/a78.31%78.46%79.46%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

Denison State Bank, The

Holton, KS · Cert 15305 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Denison Bancshares Inc. Holton

State charter, non-member · FDIC · 5 branches

Q2 2026

$453.6MAssets
$303.7MLoans
$369.3MDeposits
$74.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 91% of banks under $1B in assets operating in a single state (rank 70 of 746).
  • Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets operating in a single state (rank 719 of 743).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.60%

Rank 138 of 746

Net Interest Margin

3.95%

Rank 272 of 746

Efficiency Ratio

48.86%

Rank 94 of 746

Equity / Assets

16.49%

Rank 70 of 746

Non-interest income vs. expense

$3.5M$10.8MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 88% of banks under $1B in assets operating in a single state
Bank 48.86%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.60%0.72%1.06%1.45%Beats 82%138 / 746
Return on Equity9.71%6.74%10.51%13.63%Beats 44%417 / 746
Net Interest Margin3.95%3.17%3.68%4.16%Beats 64%272 / 746
Efficiency Ratio48.86%55.74%64.58%75.47%Beats 88%94 / 746
Asset Quality
Nonperforming Loans / Loans1.08%0.09%0.42%1.07%Beats 25%559 / 743
Net Charge-Offs / Loans0.42%0.00%0.01%0.05%Beats 3%719 / 743
Capital
Tier 1 Capital Ratio17.53%11.55%13.75%17.60%Beats 75%190 / 746
Total Risk-Based Capital Ratio17.53%11.71%14.33%18.43%Beats 71%215 / 746
Equity / Assets16.49%8.90%10.51%13.06%Beats 91%70 / 746
Liquidity & Funding
Loans / Deposits82.24%61.31%78.27%90.78%58th pctl312 / 746
Loans / Assets66.97%53.60%66.97%76.08%50th pctl373 / 746
Brokered Deposits / Depositsn/aNot reported for this institution