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Goppert State Service Bank

Garnett, KS · Cert 17317 · Goppert Financial Corp.

State charter, non-member · FDIC · 9 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

13

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

35

Q2 2024Q2 2026peer median

Efficiency

74

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

Goppert State Service Bank

Garnett, KS · Cert 17317 · Goppert Financial Corp.

State charter, non-member · FDIC · 1 affiliate bank · 9 branches (14 in holding)

Q2 2026

$345.3MAssets
$261.3MLoans
$311.6MDeposits
$32.1MEquity
Loan mix
77%RE $168.1M17%C&I $36.9M6%Consumer $13.3MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $253.1M19%Noninterest $58.6MQ2 2025Q2 2026

NIM

5.95%Q2 ’246.09%Q2 ’256.01%Q2 ’26-4%+1%

Non-interest income vs. expense

2.78%Q2 ’242.49%Q2 ’252.34%Q2 ’26-6%-8%

Executive Summary

  • Earnings: ROA of 1.48%, up 35 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 1.74% of loans (-73 bps YoY), with net charge-offs at 0.47%.
  • Capital: tier 1 leverage ratio of 9.28%, up 22 bps from a year ago.
  • Funding: loans stand at 83.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%+35 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+6 bps YoY

Efficiency Ratio (YTD, annualized)

52.19%-458 bps YoY

Tier 1 Leverage Ratio

9.28%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.14%1.20%1.50%1.48%+35 bps
Return on Equity12.54%12.53%13.15%16.36%16.07%+353 bps
Net Interest Margin4.25%4.31%4.34%4.42%4.31%+6 bps
Efficiency Ratio56.77%58.29%57.76%51.34%52.19%-458 bps
Non-Interest Burden2.36%2.44%2.43%2.17%2.17%-19 bps
Growth
Asset Growth (YoY)11.72%5.66%7.16%10.58%9.35%-236 bps
Loan Growth (YoY)4.94%7.33%7.88%8.73%4.14%-80 bps
Deposit Growth (YoY)12.21%6.41%7.93%11.71%10.21%-200 bps
Asset Quality
Nonperforming Loans / Loans2.46%2.57%1.99%1.84%1.74%-73 bps
Net Charge-Offs / Loans0.20%0.13%0.55%0.11%0.47%+27 bps
Allowance / Loans1.81%1.82%1.46%1.50%1.39%-42 bps
Allowance Coverage of NPLs0.7x0.7x0.7x0.8x0.8x+0.1x
Capital
Tier 1 Leverage Ratio9.06%9.33%9.48%9.40%9.28%+22 bps
Total Risk-Based Capital9.06%9.33%9.48%9.40%9.28%+22 bps
Equity / Assets9.01%9.44%9.28%9.07%9.29%+27 bps
Liquidity & Funding
Loans / Deposits88.72%94.16%89.39%85.41%83.83%-488 bps
Liquid Assets / Assets10.83%6.20%9.31%11.89%12.62%+178 bps
CRE / Total Capitaln/a72.19%71.39%65.15%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

Goppert State Service Bank

Garnett, KS · Cert 17317 · Peer group: banks under $1B in assets in KS (n=98) · Goppert Financial Corp.

State charter, non-member · FDIC · 1 affiliate bank · 9 branches (14 in holding)

Q2 2026

$345.3MAssets
$261.3MLoans
$311.6MDeposits
$32.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 88% of banks under $1B in assets in KS (rank 12 of 98).
  • Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets in KS (rank 94 of 98).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.45%

Rank 33 of 98

Net Interest Margin

4.31%

Rank 12 of 98

Efficiency Ratio

52.19%

Rank 26 of 98

Equity / Assets

9.29%

Rank 67 of 98

Non-interest income vs. expense

$0.6M$8.1MINCOMEEXPENSE
Unfavorable gap of $7.5M · efficiency ratio beats 74% of banks under $1B in assets in KS
Bank 52.19%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.45%1.03%1.24%1.54%Beats 66%33 / 98
Return on Equity15.58%8.85%11.58%14.73%Beats 79%21 / 98
Net Interest Margin4.31%3.24%3.62%3.91%Beats 88%12 / 98
Efficiency Ratio52.19%51.87%58.88%64.74%Beats 74%26 / 98
Asset Quality
Nonperforming Loans / Loans1.74%0.01%0.33%1.05%Beats 17%82 / 98
Net Charge-Offs / Loans0.27%n/a0.00%0.03%Beats 6%93 / 98
Capital
Tier 1 Capital Ratio9.28%11.81%13.71%17.33%Beats 4%94 / 98
Total Risk-Based Capital Ratio9.28%11.81%14.13%17.45%Beats 4%94 / 98
Equity / Assets9.29%8.60%11.34%13.10%Beats 32%67 / 98
Liquidity & Funding
Loans / Deposits83.83%57.09%69.84%82.47%79th pctl21 / 98
Loans / Assets75.65%49.34%58.31%68.94%91st pctl9 / 98
Brokered Deposits / Depositsn/aNot reported for this institution