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Solutions North Bank

Stockton, KS · Cert 16971 · Stockton Bancshares Inc.

State charter, non-member · FDIC · 5 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

60

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

76

Q2 2024Q2 2026peer median

Efficiency

64

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

Solutions North Bank

Stockton, KS · Cert 16971 · Stockton Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$469.5MAssets
$296.1MLoans
$395.5MDeposits
$57.9MEquity
Loan mix
86%RE $229.8M11%C&I $28.8M3%Consumer $8.7MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $317.9M20%Noninterest $77.6MQ2 2025Q2 2026

NIM

5.21%Q2 ’245.40%Q2 ’255.52%Q2 ’26+3%+6%

Non-interest income vs. expense

2.65%Q2 ’242.42%Q2 ’252.31%Q2 ’26-8%-11%

Executive Summary

  • Earnings: ROA of 1.40%, up 38 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.28% of loans (+22 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.90%, up 76 bps from a year ago.
  • Funding: loans stand at 74.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.40%+38 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+23 bps YoY

Efficiency Ratio (YTD, annualized)

49.35%-745 bps YoY

Tier 1 Leverage Ratio

10.90%+76 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.07%1.07%1.35%1.40%+38 bps
Return on Equity9.23%9.48%9.31%11.25%11.52%+229 bps
Net Interest Margin3.68%3.79%3.79%3.80%3.91%+23 bps
Efficiency Ratio56.81%55.82%54.63%50.65%49.35%-745 bps
Non-Interest Burden2.19%2.20%2.16%1.96%1.96%-23 bps
Growth
Asset Growth (YoY)54.55%-5.13%-1.13%0.24%0.21%-5,434 bps
Loan Growth (YoY)40.40%-2.46%4.83%6.23%4.07%-3,633 bps
Deposit Growth (YoY)59.05%-7.84%-5.21%-1.37%-0.22%-5,927 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.41%0.39%0.37%0.28%+22 bps
Net Charge-Offs / Loans0.05%0.04%0.04%0.02%0.02%-3 bps
Allowance / Loans1.77%1.79%1.74%1.79%1.80%+3 bps
Allowance Coverage of NPLs28.9x4.3x4.4x4.9x6.5x-22.4x
Capital
Tier 1 Leverage Ratio10.13%10.60%10.50%10.53%10.90%+76 bps
Total Risk-Based Capital14.37%14.78%14.42%15.29%15.54%+116 bps
Equity / Assets11.61%12.20%12.14%11.89%12.33%+72 bps
Liquidity & Funding
Loans / Deposits71.78%72.99%76.70%71.70%74.87%+309 bps
Liquid Assets / Assets0.28%0.34%0.31%3.75%0.29%+1 bps
CRE / Total Capitaln/a148.98%160.83%158.21%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

Solutions North Bank

Stockton, KS · Cert 16971 · Peer group: banks under $1B in assets in KS (n=98) · Stockton Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$469.5MAssets
$296.1MLoans
$395.5MDeposits
$57.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 74% of banks under $1B in assets in KS (rank 25 of 98).
  • Widest gap: net charge-offs / loans trails 57% of banks under $1B in assets in KS (rank 57 of 98).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.41%

Rank 35 of 98

Net Interest Margin

3.91%

Rank 25 of 98

Efficiency Ratio

55.16%

Rank 36 of 98

Equity / Assets

12.33%

Rank 34 of 98

Non-interest income vs. expense

$1.6M$11.0MINCOMEEXPENSE
Unfavorable gap of $9.4M · efficiency ratio beats 64% of banks under $1B in assets in KS
Bank 55.16%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.41%1.03%1.24%1.54%Beats 64%35 / 98
Return on Equity11.47%8.85%11.58%14.73%Beats 48%51 / 98
Net Interest Margin3.91%3.24%3.62%3.91%Beats 74%25 / 98
Efficiency Ratio55.16%51.87%58.88%64.74%Beats 64%36 / 98
Asset Quality
Nonperforming Loans / Loans0.28%0.01%0.33%1.05%Beats 55%45 / 98
Net Charge-Offs / Loans0.01%n/a0.00%0.03%Beats 43%57 / 98
Capital
Tier 1 Capital Ratio14.28%11.81%13.71%17.33%Beats 55%44 / 98
Total Risk-Based Capital Ratio15.54%11.81%14.13%17.45%Beats 60%39 / 98
Equity / Assets12.33%8.60%11.34%13.10%Beats 65%34 / 98
Liquidity & Funding
Loans / Deposits74.87%57.09%69.84%82.47%59th pctl40 / 98
Loans / Assets63.07%49.34%58.31%68.94%59th pctl40 / 98
Brokered Deposits / Depositsn/aNot reported for this institution