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State Exchange Bank, The

Mankato, KS · Cert 17375

State charter, non-member · FDIC · 1 branch

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

25

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

29

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

State Exchange Bank, The

Mankato, KS · Cert 17375

State charter, non-member · FDIC · 1 branch

Q2 2026

$50.9MAssets
$17.1MLoans
$46.5MDeposits
$4.1MEquity
Loan mix
85%RE $9.2M4%C&I $0.4M11%Consumer $1.2MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $34.9M25%Noninterest $11.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.01%, up 30 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 1.85% of loans (-82 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 12.25%, down 59 bps from a year ago.
  • Funding: loans stand at 36.70% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.01%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+2 bps YoY

Efficiency Ratio (YTD, annualized)

64.42%-611 bps YoY

Tier 1 Leverage Ratio

12.25%-59 bps YoY

NIM

4.44%Q2 ’244.43%Q2 ’254.32%Q2 ’26-3%+1%

Non-interest income vs. expense

1.99%Q2 ’242.26%Q2 ’252.10%Q2 ’26+15%-9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.68%0.70%0.71%0.78%0.58%1.24%1.01%+30 bps
Return on Equity12.02%9.50%10.45%10.22%10.55%7.84%15.47%12.46%+224 bps
Net Interest Margin3.18%3.01%2.97%3.05%3.20%3.01%3.02%3.07%+2 bps
Efficiency Ratio63.53%72.12%69.60%70.53%65.57%72.74%60.88%64.42%-611 bps
Non-Interest Burden1.96%2.13%2.03%2.11%2.04%2.15%1.74%1.91%-20 bps
Growth
Asset Growth (YoY)-5.80%-3.60%1.44%7.70%2.31%10.69%1.46%16.54%+884 bps
Loan Growth (YoY)-11.12%-2.89%4.81%0.73%0.19%7.11%4.89%6.49%+576 bps
Deposit Growth (YoY)-10.33%-3.64%1.19%8.27%2.31%9.48%-0.30%15.97%+770 bps
Asset Quality
Nonperforming Loans / Loans0.51%0.46%0.51%2.67%2.48%1.84%2.08%1.85%-82 bps
Net Charge-Offs / Loans-0.12%-0.07%0.86%0.32%0.26%0.17%0.00%0.08%-24 bps
Allowance / Loans1.53%1.56%1.49%1.42%1.48%1.41%1.58%1.40%-2 bps
Allowance Coverage of NPLs3.0x3.4x2.9x0.5x0.6x0.8x0.8x0.8x+0.2x
Capital
Tier 1 Leverage Ratio13.33%12.38%12.08%12.84%13.34%12.23%12.06%12.25%-59 bps
Total Risk-Based Capital13.33%12.38%12.08%12.84%13.34%12.23%12.06%12.25%-59 bps
Equity / Assets9.05%6.34%7.06%7.44%9.16%7.39%8.83%8.15%+71 bps
Liquidity & Funding
Loans / Deposits44.81%34.63%34.93%39.97%43.88%33.88%36.75%36.70%-327 bps
Liquid Assets / Assets0.04%0.03%0.03%0.04%0.04%0.03%0.04%0.03%-1 bps
CRE / Total Capitaln/an/an/an/a19.10%19.28%23.16%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

State Exchange Bank, The

Mankato, KS · Cert 17375 · Peer group: banks under $1B in assets in KS (n=98)

State charter, non-member · FDIC · 1 branch

Q2 2026

$50.9MAssets
$17.1MLoans
$46.5MDeposits
$4.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 60% of banks under $1B in assets in KS (rank 39 of 98).
  • Widest gap: net interest margin trails 86% of banks under $1B in assets in KS (rank 84 of 98).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

1.01%

Rank 76 of 98

Net Interest Margin

3.07%

Rank 84 of 98

Efficiency Ratio

64.42%

Rank 71 of 98

Equity / Assets

8.15%

Rank 81 of 98

Non-interest income vs. expense

$92K$996KINCOMEEXPENSE
Unfavorable gap of $904K · efficiency ratio beats 29% of banks under $1B in assets in KS
Bank 64.42%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.01%1.03%1.24%1.54%Beats 22%76 / 98
Return on Equity12.42%8.85%11.58%14.73%Beats 60%39 / 98
Net Interest Margin3.07%3.24%3.62%3.91%Beats 14%84 / 98
Efficiency Ratio64.42%51.87%58.88%64.74%Beats 29%71 / 98
Asset Quality
Nonperforming Loans / Loans1.85%0.01%0.33%1.05%Beats 16%83 / 98
Net Charge-Offs / Loans0.05%n/a0.00%0.03%Beats 19%80 / 98
Capital
Tier 1 Capital Ratio12.25%11.81%13.71%17.33%Beats 31%68 / 98
Total Risk-Based Capital Ratio12.25%11.81%14.13%17.45%Beats 28%71 / 98
Equity / Assets8.15%8.60%11.34%13.10%Beats 17%81 / 98
Liquidity & Funding
Loans / Deposits36.70%57.09%69.84%82.47%3rd pctl95 / 98
Loans / Assets33.57%49.34%58.31%68.94%6th pctl92 / 98
Brokered Deposits / Depositsn/aNot reported for this institution