PackageTrendsPeer
Letter portraitLegal landscape

Riley State Bank of Riley Kansas, The

Riley, KS · Cert 16120 · Riley County Bancshares Inc.

State charter, non-member · FDIC · 4 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

24

Q2 2024Q2 2026peer median (50)

Asset Quality

86

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

69

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

Riley State Bank of Riley Kansas, The

Riley, KS · Cert 16120 · Riley County Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$132.0MAssets
$89.3MLoans
$115.2MDeposits
$13.3MEquity
Loan mix
54%RE $29.9M39%C&I $21.7M8%Consumer $4.3MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $95.0M18%Noninterest $20.2MQ2 2025Q2 2026

NIM

4.99%Q2 ’245.40%Q2 ’255.25%Q2 ’26+12%+1%

Non-interest income vs. expense

2.24%Q2 ’242.32%Q2 ’252.17%Q2 ’260%+0%

Market Position · Manhattan, KS · 2026 SOD (annual) · 1.8% share · #14 of 22 inst. · $0.1B of $4.5B

3.0% Riley
10.4% Clay

Executive Summary

  • Earnings: ROA of 1.16%, unchanged from a year ago; NIM at 3.55%.
  • 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 10.51%, down 29 bps from a year ago.
  • Funding: loans stand at 77.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.16%0 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+4 bps YoY

Efficiency Ratio (YTD, annualized)

57.62%-227 bps YoY

Tier 1 Leverage Ratio

10.51%-29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.18%1.02%1.25%1.16%0 bps
Return on Equity11.90%11.84%10.18%12.32%11.47%-43 bps
Net Interest Margin3.51%3.48%3.51%3.59%3.55%+4 bps
Efficiency Ratio59.89%59.76%63.07%58.20%57.62%-227 bps
Non-Interest Burden1.96%1.95%2.11%2.00%1.96%0 bps
Growth
Asset Growth (YoY)6.29%9.74%6.29%10.34%8.58%+229 bps
Loan Growth (YoY)5.49%4.90%5.18%5.34%13.70%+821 bps
Deposit Growth (YoY)2.47%6.66%7.76%12.83%10.88%+840 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.35%0.24%0.17%0.00%0.00%-35 bps
Allowance / Loans1.41%1.44%1.43%1.40%1.46%+6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.80%10.95%10.84%10.73%10.51%-29 bps
Total Risk-Based Capital10.80%10.95%10.84%10.73%10.51%-29 bps
Equity / Assets9.92%10.40%10.33%10.00%10.05%+13 bps
Liquidity & Funding
Loans / Deposits75.60%74.17%78.56%75.70%77.52%+192 bps
Liquid Assets / Assets5.99%5.41%0.93%5.32%2.13%-386 bps
CRE / Total Capitaln/a35.14%37.44%37.83%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

Riley State Bank of Riley Kansas, The

Riley, KS · Cert 16120 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Riley County Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$132.0MAssets
$89.3MLoans
$115.2MDeposits
$13.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets operating in a single state (rank 650 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.13%

Rank 331 of 746

Net Interest Margin

3.55%

Rank 422 of 746

Efficiency Ratio

57.62%

Rank 235 of 746

Equity / Assets

10.05%

Rank 421 of 746

Non-interest income vs. expense

$0.3M$2.9MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 69% of banks under $1B in assets operating in a single state
Bank 57.62%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.72%1.06%1.45%Beats 56%331 / 746
Return on Equity11.26%6.74%10.51%13.63%Beats 57%318 / 746
Net Interest Margin3.55%3.17%3.68%4.16%Beats 43%422 / 746
Efficiency Ratio57.62%55.74%64.58%75.47%Beats 69%235 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 72%212 / 743
Capital
Tier 1 Capital Ratio10.51%11.55%13.75%17.60%Beats 14%640 / 746
Total Risk-Based Capital Ratio10.51%11.71%14.33%18.43%Beats 13%650 / 746
Equity / Assets10.05%8.90%10.51%13.06%Beats 44%421 / 746
Liquidity & Funding
Loans / Deposits77.52%61.31%78.27%90.78%49th pctl380 / 746
Loans / Assets67.70%53.60%66.97%76.08%52nd pctl359 / 746
Brokered Deposits / Depositsn/aNot reported for this institution