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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

4.30%Q2 ’244.93%Q2 ’255.34%Q2 ’26+28%+20%

Non-interest income vs. expense

3.12%Q2 ’243.67%Q2 ’254.42%Q2 ’26+19%+20%

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

Executive Summary

  • Earnings: ROA of 0.60%, up 130 bps year over year; NIM at 4.77%.
  • Asset quality: problem loans at 2.53% of loans (-289 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

0.60%+130 bps YoY

Net Interest Margin (quarter, annualized)

4.77%+79 bps YoY

Efficiency Ratio (quarter, annualized)

87.83%+9 bps YoY

Tier 1 Leverage Ratio

9.94%+71 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.70%-2.12%-0.22%0.63%0.60%+130 bps
Return on Equity-7.73%-22.42%-2.25%6.27%6.22%+1,395 bps
Net Interest Margin3.99%4.27%4.60%4.62%4.77%+79 bps
Efficiency Ratio87.74%92.59%92.92%87.39%87.83%+9 bps
Non-Interest Burden3.47%3.94%4.25%4.00%4.16%+69 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 / Loans0.07%8.21%0.00%0.34%0.00%-7 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