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State Bank of Burrton

Burrton, KS · Cert 16583

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Wichita, KS area3

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 the Wichita, KS area (n=20). 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

20

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

10

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

State Bank of Burrton

Burrton, KS · Cert 16583

State charter, Fed member · FED · 1 branch

Q2 2026

$9.3MAssets
$5.5MLoans
$8.4MDeposits
$906KEquity
Loan mix
51%RE $2.3M41%C&I $1.9M9%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
54%Interest-bearing $4.5M46%Noninterest $3.9MQ2 2025Q2 2026

NIM

4.35%Q2 ’245.56%Q2 ’255.32%Q2 ’26+38%+5%

Non-interest income vs. expense

3.12%Q2 ’243.71%Q2 ’254.34%Q2 ’26+21%+17%

Market Position · Wichita, KS · 2026 SOD (annual) · 0.0% share · #44 of 46 inst. · $0.0B of $23.2B

Executive Summary

  • Earnings: ROA of 0.62%, up 474 bps year over year; NIM at 4.69%.
  • Asset quality: problem loans at 2.53% of loans (-289 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 9.94%, up 71 bps from a year ago.
  • Funding: loans stand at 65.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.62%+474 bps YoY

Net Interest Margin (YTD, annualized)

4.69%+23 bps YoY

Efficiency Ratio (YTD, annualized)

87.61%+862 bps YoY

Tier 1 Leverage Ratio

9.94%+71 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-4.12%-3.48%-2.76%0.63%0.62%+474 bps
Return on Equity-45.82%-38.33%-29.59%6.27%6.24%+5,206 bps
Net Interest Margin4.46%4.54%4.76%4.62%4.69%+23 bps
Efficiency Ratio78.99%83.24%85.62%87.39%87.61%+862 bps
Non-Interest Burden3.47%3.74%4.03%4.00%4.07%+60 bps
Growth
Asset Growth (YoY)-19.13%-16.46%-24.55%-13.71%-4.37%+1,476 bps
Loan Growth (YoY)-21.31%-11.47%-7.59%5.47%1.87%+2,319 bps
Deposit Growth (YoY)-19.37%-15.39%-25.84%-14.65%-4.57%+1,480 bps
Asset Quality
Nonperforming Loans / Loans5.42%2.62%2.69%2.44%2.53%-289 bps
Net Charge-Offs / Loans8.87%8.23%6.50%0.34%0.18%-869 bps
Allowance / Loans2.84%1.60%1.93%1.73%1.84%-100 bps
Allowance Coverage of NPLs0.5x0.6x0.7x0.7x0.7x+0.2x
Capital
Tier 1 Leverage Ratio9.23%9.16%9.64%9.84%9.94%+71 bps
Total Risk-Based Capital9.23%9.16%9.64%9.84%9.94%+71 bps
Equity / Assets9.56%9.38%10.48%9.55%9.73%+17 bps
Liquidity & Funding
Loans / Deposits61.26%67.64%72.50%68.87%65.40%+414 bps
Liquid Assets / Assets14.68%13.52%10.94%16.15%18.90%+422 bps
CRE / Total Capitaln/a38.80%38.52%37.47%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

State Bank of Burrton

Burrton, KS · Cert 16583 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20)

State charter, Fed member · FED · 1 branch

Q2 2026

$9.3MAssets
$5.5MLoans
$8.4MDeposits
$906KEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 95% of banks under $1B in assets in the Wichita, KS area (rank 1 of 20).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in the Wichita, KS area (rank 20 of 20).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.60%

Rank 17 of 20

Net Interest Margin

4.69%

Rank 1 of 20

Efficiency Ratio

87.61%

Rank 19 of 20

Equity / Assets

9.73%

Rank 8 of 20

Non-interest income vs. expense

$24K$396KINCOMEEXPENSE
Unfavorable gap of $372K · efficiency ratio beats 10% of banks under $1B in assets in the Wichita, KS area
Bank 87.61%Peer median 65.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.60%0.80%1.20%1.35%Beats 15%17 / 20
Return on Equity6.18%9.43%12.85%15.78%Beats 15%17 / 20
Net Interest Margin4.69%3.71%4.04%4.23%Beats 95%1 / 20
Efficiency Ratio87.61%59.34%65.86%71.92%Beats 10%19 / 20
Asset Quality
Nonperforming Loans / Loans2.53%0.06%0.64%1.17%Beats 5%20 / 20
Net Charge-Offs / Loans0.09%n/a0.02%0.09%Beats 25%16 / 20
Capital
Tier 1 Capital Ratio9.94%11.10%11.73%15.56%Beats 0%20 / 20
Total Risk-Based Capital Ratio9.94%11.80%12.57%16.49%Beats 0%20 / 20
Equity / Assets9.73%8.39%8.81%11.24%Beats 60%8 / 20
Liquidity & Funding
Loans / Deposits65.40%62.67%77.26%93.25%30th pctl14 / 20
Loans / Assets58.94%54.38%67.74%81.71%30th pctl14 / 20
Brokered Deposits / Depositsn/aNot reported for this institution