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Centera Bank

Sublette, KS · Cert 16436 · Santa Fe Trail Banc Shares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

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 in KS (n=98). 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

53

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

36

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

Centera Bank

Sublette, KS · Cert 16436 · Santa Fe Trail Banc Shares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$318.1MAssets
$150.5MLoans
$290.5MDeposits
$25.3MEquity
Loan mix
81%RE $85.4M15%C&I $15.5M4%Consumer $4.0MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $222.6M23%Noninterest $67.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.32%, up 41 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.01% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.59%, up 38 bps from a year ago.
  • Funding: loans stand at 51.79% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.32%+41 bps YoY

Net Interest Margin (YTD, annualized)

3.33%+37 bps YoY

Efficiency Ratio (YTD, annualized)

62.92%-537 bps YoY

Tier 1 Leverage Ratio

9.59%+38 bps YoY

NIM

4.17%Q2 ’244.26%Q2 ’254.47%Q2 ’26+11%+13%

Non-interest income vs. expense

2.28%Q2 ’242.33%Q2 ’252.37%Q2 ’26-6%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.61%0.69%0.90%0.90%0.81%1.24%1.32%+41 bps
Return on Equity13.08%11.33%11.64%14.42%13.60%11.78%16.25%17.04%+262 bps
Net Interest Margin2.69%2.71%2.81%2.95%3.03%3.04%3.14%3.33%+37 bps
Efficiency Ratio75.18%77.81%71.27%68.29%67.92%71.38%65.04%62.92%-537 bps
Non-Interest Burden1.94%2.03%1.89%1.86%1.90%2.04%1.90%1.92%+6 bps
Growth
Asset Growth (YoY)1.98%-2.11%2.46%4.25%-1.54%2.49%-1.14%-1.49%-574 bps
Loan Growth (YoY)7.58%6.37%6.86%3.14%1.91%3.40%1.08%-0.91%-404 bps
Deposit Growth (YoY)1.67%-1.51%4.59%4.62%-1.29%0.19%-2.60%-2.65%-726 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.02%0.01%0.01%0.03%0.18%0.04%0.01%0 bps
Net Charge-Offs / Loans0.01%0.01%0.09%0.04%0.05%0.04%0.00%0.02%-2 bps
Allowance / Loans1.04%1.05%1.07%1.09%1.05%1.04%1.08%1.07%-2 bps
Allowance Coverage of NPLs21.4x54.7x113.5x126.8x39.6x5.6x27.0x107.2x-19.6x
Capital
Tier 1 Leverage Ratio9.31%9.30%8.99%9.21%9.38%9.30%9.21%9.59%+38 bps
Total Risk-Based Capital16.11%16.30%16.83%16.74%16.61%16.41%17.23%17.44%+70 bps
Equity / Assets6.45%5.76%6.06%6.94%7.73%7.81%7.41%7.96%+102 bps
Liquidity & Funding
Loans / Deposits52.24%51.52%47.85%50.88%53.94%53.18%49.66%51.79%+91 bps
Liquid Assets / Assets0.93%3.23%7.49%3.56%1.17%0.49%4.68%1.86%-170 bps
CRE / Total Capitaln/an/an/an/a93.44%93.58%92.14%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

Centera Bank

Sublette, KS · Cert 16436 · Peer group: banks under $1B in assets in KS (n=98) · Santa Fe Trail Banc Shares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$318.1MAssets
$150.5MLoans
$290.5MDeposits
$25.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 87% of banks under $1B in assets in KS (rank 13 of 98).
  • Widest gap: equity / assets trails 84% of banks under $1B in assets in KS (rank 82 of 98).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.33%

Rank 43 of 98

Net Interest Margin

3.33%

Rank 68 of 98

Efficiency Ratio

62.92%

Rank 64 of 98

Equity / Assets

7.96%

Rank 82 of 98

Non-interest income vs. expense

$1.5M$7.7MINCOMEEXPENSE
Unfavorable gap of $6.2M · efficiency ratio beats 36% of banks under $1B in assets in KS
Bank 62.92%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.33%1.03%1.24%1.54%Beats 56%43 / 98
Return on Equity16.75%8.85%11.58%14.73%Beats 87%13 / 98
Net Interest Margin3.33%3.24%3.62%3.91%Beats 31%68 / 98
Efficiency Ratio62.92%51.87%58.88%64.74%Beats 36%64 / 98
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.33%1.05%Beats 77%24 / 98
Net Charge-Offs / Loans0.01%n/a0.00%0.03%Beats 36%64 / 98
Capital
Tier 1 Capital Ratio16.52%11.81%13.71%17.33%Beats 70%29 / 98
Total Risk-Based Capital Ratio17.44%11.81%14.13%17.45%Beats 73%26 / 98
Equity / Assets7.96%8.60%11.34%13.10%Beats 16%82 / 98
Liquidity & Funding
Loans / Deposits51.79%57.09%69.84%82.47%18th pctl80 / 98
Loans / Assets47.30%49.34%58.31%68.94%21st pctl77 / 98
Brokered Deposits / Depositsn/aNot reported for this institution