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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