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First State Bank of Ransom, The

Ransom, KS · Cert 15469 · West 4 Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 2 branches (3 in holding)

Q2 2026

$48.9MAssets
$22.8MLoans
$39.9MDeposits
$8.7MEquity
Loan mix
56%RE $6.8M41%C&I $5.0M3%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $32.2M19%Noninterest $7.8MQ2 2025Q2 2026

NIM

3.85%Q2 ’244.14%Q2 ’254.01%Q2 ’26+18%+2%

Non-interest income vs. expense

1.86%Q2 ’241.85%Q2 ’251.77%Q2 ’260%-3%

Executive Summary

  • Earnings: ROA of 1.51%, up 88 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.34% of loans (-7 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 20.06%, down 116 bps from a year ago.
  • Funding: loans stand at 57.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.51%+88 bps YoY

Net Interest Margin (quarter, annualized)

2.63%+5 bps YoY

Efficiency Ratio (quarter, annualized)

61.28%-292 bps YoY

Tier 1 Leverage Ratio

20.06%-116 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.77%0.46%0.86%1.51%+88 bps
Return on Equity3.73%4.44%2.59%4.79%8.49%+476 bps
Net Interest Margin2.59%2.55%2.51%2.44%2.63%+5 bps
Efficiency Ratio64.20%65.22%86.94%68.47%61.28%-292 bps
Non-Interest Burden1.56%1.56%2.14%1.58%1.51%-4 bps
Growth
Asset Growth (YoY)4.69%2.97%3.04%1.14%0.98%-371 bps
Loan Growth (YoY)17.52%14.26%15.26%11.74%4.18%-1,334 bps
Deposit Growth (YoY)4.57%3.47%1.38%-0.10%0.09%-448 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.42%0.41%0.56%0.34%-7 bps
Net Charge-Offs / Loans0.00%-0.04%0.00%0.02%0.12%+12 bps
Allowance / Loans1.94%2.11%2.12%2.12%1.88%-6 bps
Allowance Coverage of NPLs4.7x5.0x5.1x3.8x5.6x+0.8x
Capital
Tier 1 Leverage Ratio21.21%20.32%20.61%20.22%20.06%-116 bps
Total Risk-Based Capital34.79%35.52%36.05%35.98%34.02%-77 bps
Equity / Assets17.17%17.65%18.07%17.86%17.82%+65 bps
Liquidity & Funding
Loans / Deposits54.78%51.78%52.95%51.73%57.02%+224 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a2.45%2.27%2.09%n/an/a