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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