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Fusion Bank

Larned, KS · Cert 15899 · First State Financial Corp.

State charter, Fed member · FED · 3 branches

Q2 2026

$281.0MAssets
$129.8MLoans
$219.1MDeposits
$34.0MEquity
Loan mix
76%RE $89.8M23%C&I $27.5M0%Consumer $0.2MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $179.7M18%Noninterest $39.4MQ3 2024Q2 2026

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #69 of 114 inst. · $0.1B of $99.1B

0.4% Johnson
40.0% Pawnee
6.4% Pratt

Executive Summary

  • Earnings: ROA of 1.64%, up 22 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.47% of loans (+47 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.76%, down 179 bps from a year ago.
  • Funding: loans stand at 59.23% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.64%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.45%-46 bps YoY

Efficiency Ratio (YTD, annualized)

50.24%-103 bps YoY

Tier 1 Leverage Ratio

12.76%-179 bps YoY

NIM

5.19%Q2 ’245.47%Q2 ’254.81%Q2 ’26+15%-12%

Non-interest income vs. expense

1.81%Q2 ’242.13%Q2 ’251.82%Q2 ’26+20%-13%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.60%1.41%1.42%1.55%1.55%1.46%1.64%+22 bps
Return on Equity14.92%14.31%12.38%12.43%12.81%12.55%10.73%12.57%+13 bps
Net Interest Margin3.21%3.64%3.66%3.91%3.68%3.78%3.79%3.45%-46 bps
Efficiency Ratio48.90%48.44%52.99%51.27%47.72%47.88%53.19%50.24%-103 bps
Non-Interest Burden1.47%1.65%1.85%1.89%1.64%1.69%1.93%1.64%-25 bps
Growth
Asset Growth (YoY)4.79%19.00%-2.76%22.11%1.87%-6.56%-0.78%7.81%-1,430 bps
Loan Growth (YoY)5.13%7.94%4.82%1.20%9.38%9.24%12.12%14.98%+1,378 bps
Deposit Growth (YoY)-0.92%22.88%0.46%30.25%-1.41%-15.75%-8.04%2.86%-2,739 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.47%+47 bps
Net Charge-Offs / Loans0.00%-0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.64%1.65%1.69%1.72%1.66%1.59%1.58%1.64%-8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a3.5xn/an/a
Capital
Tier 1 Leverage Ratio11.93%13.68%12.91%14.55%13.82%14.54%14.30%12.76%-179 bps
Total Risk-Based Capital11.93%13.68%12.91%14.55%13.82%14.54%14.30%12.76%-179 bps
Equity / Assets12.89%10.51%12.32%11.55%14.44%13.16%14.04%12.11%+57 bps
Liquidity & Funding
Loans / Deposits70.63%53.49%60.71%52.98%78.36%69.35%74.02%59.23%+625 bps
Liquid Assets / Assets11.51%27.93%18.58%30.04%11.99%17.36%15.00%29.26%-78 bps
CRE / Total Capitaln/an/an/an/a145.40%143.33%152.67%n/an/a