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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 $8.7MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $317.9M20%Noninterest $77.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.43%, up 37 bps year over year; NIM at 3.95%.
  • 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.

Return on Assets (quarter, annualized)

1.43%+37 bps YoY

Net Interest Margin (quarter, annualized)

3.95%+27 bps YoY

Efficiency Ratio (quarter, annualized)

48.09%-778 bps YoY

Tier 1 Leverage Ratio

10.90%+76 bps YoY

NIM

5.23%Q2 ’245.40%Q2 ’255.54%Q2 ’26+3%+7%

Non-interest income vs. expense

2.98%Q2 ’242.37%Q2 ’252.28%Q2 ’26-20%-11%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.12%0.88%0.97%1.05%1.19%1.06%1.35%1.43%+37 bps
Return on Equity-1.11%8.35%9.07%9.37%10.00%8.71%11.25%11.78%+242 bps
Net Interest Margin3.59%3.55%3.53%3.68%3.87%3.90%3.80%3.95%+27 bps
Efficiency Ratio89.87%66.75%57.74%55.86%53.96%51.14%50.65%48.09%-778 bps
Non-Interest Burden3.36%2.47%2.13%2.16%2.14%2.09%1.96%1.92%-24 bps
Growth
Asset Growth (YoY)60.89%53.65%55.99%54.55%-5.13%-1.13%0.24%0.21%-5,434 bps
Loan Growth (YoY)42.59%36.07%39.29%40.40%-2.46%4.83%6.23%4.07%-3,633 bps
Deposit Growth (YoY)65.06%58.40%61.88%59.05%-7.84%-5.21%-1.37%-0.22%-5,927 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.29%0.06%0.41%0.39%0.37%0.28%+22 bps
Net Charge-Offs / Loans0.07%0.01%0.06%0.04%0.03%0.03%0.02%0.02%-2 bps
Allowance / Loans1.64%1.71%1.79%1.77%1.79%1.74%1.79%1.80%+3 bps
Allowance Coverage of NPLsn/an/a6.1x28.9x4.3x4.4x4.9x6.5x-22.4x
Capital
Tier 1 Leverage Ratio9.14%9.29%9.44%10.13%10.60%10.50%10.53%10.90%+76 bps
Total Risk-Based Capital12.94%13.99%14.40%14.37%14.78%14.42%15.29%15.54%+116 bps
Equity / Assets10.44%10.56%10.87%11.61%12.20%12.14%11.89%12.33%+72 bps
Liquidity & Funding
Loans / Deposits68.96%69.35%66.57%71.78%72.99%76.70%71.70%74.87%+309 bps
Liquid Assets / Assets8.96%4.53%4.53%0.28%0.34%0.31%3.75%0.29%+1 bps
CRE / Total Capitaln/an/an/an/a148.98%160.83%158.21%n/an/a