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Carson Bank

Mulvane, KS · Cert 17369 · Mulvane Bankshares Inc.

State charter, non-member · FDIC · 4 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 the Wichita, KS area3

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 the Wichita, KS area (n=20). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

95

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

50

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

Carson Bank

Mulvane, KS · Cert 17369 · Mulvane Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$219.9MAssets
$140.7MLoans
$201.6MDeposits
$17.4MEquity
Loan mix
90%RE $125.8M8%C&I $11.7M1%Consumer $1.6MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $156.9M22%Noninterest $44.7MQ2 2025Q2 2026

NIM

5.00%Q2 ’245.11%Q2 ’255.42%Q2 ’26+13%+8%

Non-interest income vs. expense

3.20%Q2 ’243.25%Q2 ’253.32%Q2 ’26+16%+4%

Market Position · Wichita, KS · 2026 SOD (annual) · 0.9% share · #21 of 46 inst. · $0.2B of $23.2B

18.4% Sumner
0.4% Sedgwick

Executive Summary

  • Earnings: ROA of 1.33%, up 18 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.02% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.28%, up 45 bps from a year ago.
  • Funding: loans stand at 69.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.33%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.93%+31 bps YoY

Efficiency Ratio (YTD, annualized)

65.86%-257 bps YoY

Tier 1 Leverage Ratio

8.28%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.14%1.17%1.24%1.33%+18 bps
Return on Equity15.79%15.36%15.49%15.49%16.72%+93 bps
Net Interest Margin3.62%3.67%3.72%3.92%3.93%+31 bps
Efficiency Ratio68.43%67.61%66.60%67.04%65.86%-257 bps
Non-Interest Burden2.12%2.13%2.13%2.25%2.21%+9 bps
Growth
Asset Growth (YoY)9.66%8.29%8.39%6.76%5.04%-463 bps
Loan Growth (YoY)5.55%9.11%7.52%12.33%5.28%-27 bps
Deposit Growth (YoY)12.00%10.42%5.26%3.90%7.70%-430 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.00%0.02%0.02%+2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.20%1.17%1.16%1.14%1.14%-6 bps
Allowance Coverage of NPLsn/a6.0xn/a55.3x55.3xn/a
Capital
Tier 1 Leverage Ratio7.83%7.85%8.05%8.09%8.28%+45 bps
Total Risk-Based Capital12.32%12.35%12.63%12.48%12.79%+47 bps
Equity / Assets7.31%7.78%8.11%7.88%7.91%+61 bps
Liquidity & Funding
Loans / Deposits71.40%75.97%75.34%73.38%69.79%-161 bps
Liquid Assets / Assets13.34%9.40%9.17%10.85%12.91%-43 bps
CRE / Total Capitaln/a386%356%367%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

Carson Bank

Mulvane, KS · Cert 17369 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · Mulvane Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$219.9MAssets
$140.7MLoans
$201.6MDeposits
$17.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Wichita, KS area (rank 7 of 20).
  • Widest gap: equity / assets trails 80% of banks under $1B in assets in the Wichita, KS area (rank 16 of 20).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.29%

Rank 8 of 20

Net Interest Margin

3.93%

Rank 12 of 20

Efficiency Ratio

65.86%

Rank 11 of 20

Equity / Assets

7.91%

Rank 16 of 20

Non-interest income vs. expense

$2.4M$7.1MINCOMEEXPENSE
Unfavorable gap of $4.7M · efficiency ratio beats 50% of banks under $1B in assets in the Wichita, KS area
Bank 65.86%Peer median 65.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.29%0.80%1.20%1.35%Beats 60%8 / 20
Return on Equity16.27%9.43%12.85%15.78%Beats 80%4 / 20
Net Interest Margin3.93%3.71%4.04%4.23%Beats 40%12 / 20
Efficiency Ratio65.86%59.34%65.86%71.92%Beats 50%11 / 20
Asset Quality
Nonperforming Loans / Loans0.02%0.06%0.64%1.17%Beats 90%3 / 20
Net Charge-Offs / Loans0.00%n/a0.02%0.09%Beats 100%7 / 20
Capital
Tier 1 Capital Ratio11.73%11.10%11.73%15.56%Beats 50%10 / 20
Total Risk-Based Capital Ratio12.79%11.80%12.57%16.49%Beats 55%9 / 20
Equity / Assets7.91%8.39%8.81%11.24%Beats 20%16 / 20
Liquidity & Funding
Loans / Deposits69.79%62.67%77.26%93.25%40th pctl12 / 20
Loans / Assets64.00%54.38%67.74%81.71%45th pctl11 / 20
Brokered Deposits / Depositsn/aNot reported for this institution