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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