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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 $4.3MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $95.0M18%Noninterest $20.2MQ3 2024Q2 2026

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 1.07%, unchanged from a year ago; NIM at 3.63%.
  • 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.

Return on Assets (quarter, annualized)

1.07%0 bps YoY

Net Interest Margin (quarter, annualized)

3.63%+6 bps YoY

Efficiency Ratio (quarter, annualized)

57.08%-353 bps YoY

Tier 1 Leverage Ratio

10.51%-29 bps YoY

NIM

5.10%Q2 ’245.42%Q2 ’255.33%Q2 ’26+14%+2%

Non-interest income vs. expense

2.15%Q2 ’242.35%Q2 ’252.21%Q2 ’26+9%-3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%0.59%1.27%1.06%1.20%0.55%1.25%1.07%0 bps
Return on Equity9.62%5.97%13.10%10.70%11.79%5.26%12.32%10.65%-5 bps
Net Interest Margin3.27%3.32%3.45%3.57%3.56%3.59%3.59%3.63%+6 bps
Efficiency Ratio67.00%74.64%59.17%60.61%59.51%72.99%58.20%57.08%-353 bps
Non-Interest Burden2.09%2.42%1.86%2.04%2.03%2.56%2.00%1.97%-7 bps
Growth
Asset Growth (YoY)0.87%3.27%3.33%6.29%9.74%6.29%10.34%8.58%+229 bps
Loan Growth (YoY)7.00%10.83%15.14%5.49%4.90%5.18%5.34%13.70%+821 bps
Deposit Growth (YoY)2.75%2.41%1.33%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.01%0.09%0.61%-0.01%0.01%0.00%0.00%-61 bps
Allowance / Loans1.57%1.49%1.44%1.41%1.44%1.43%1.40%1.46%+6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.08%10.69%10.75%10.80%10.95%10.84%10.73%10.51%-29 bps
Total Risk-Based Capital11.08%10.69%10.75%10.80%10.95%10.84%10.73%10.51%-29 bps
Equity / Assets10.25%9.50%9.95%9.92%10.40%10.33%10.00%10.05%+13 bps
Liquidity & Funding
Loans / Deposits75.41%80.49%81.08%75.60%74.17%78.56%75.70%77.52%+192 bps
Liquid Assets / Assets2.40%1.35%3.51%5.99%5.41%0.93%5.32%2.13%-386 bps
CRE / Total Capitaln/an/an/an/a35.14%37.44%37.83%n/an/a