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Haviland State Bank, The

Haviland, KS · Cert 17403

FDIC · 2 branches

Q3 2025

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: Q3 2025, the quarter ended September 30, 2025, 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

20

Q2 2024Q3 2025peer median (50)

Asset Quality

100

Q2 2024Q3 2025peer median (50)

Profitability

86

Q2 2024Q3 2025peer median (50)

Liquidity

39

Q2 2024Q3 2025peer median

Efficiency

76

Q2 2024Q3 2025peer 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 2026-10-10

Haviland State Bank, The

Haviland, KS · Cert 17403

FDIC · 2 branches

Q3 2025

$47.8MAssets
$34.2MLoans
$40.3MDeposits
$3.6MEquity
Loan mix
84%RE $13.6M11%C&I $1.7M5%Consumer $0.9MQ3 2024Q3 2025
Deposit mix
69%Interest-bearing $28.0M31%Noninterest $12.3MQ3 2024Q3 2025

NIM

4.97%Q3 ’236.05%Q3 ’246.23%Q3 ’25+0%-2%

Non-interest income vs. expense

2.32%Q3 ’232.33%Q3 ’242.28%Q3 ’25-1%-1%

Executive Summary

  • Earnings: ROA of 1.44%, up 42 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 7.99%, down 607 bps from a year ago.
  • Funding: loans stand at 84.89% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

1.44%+42 bps YoY

Net Interest Margin (YTD, annualized)

4.03%-9 bps YoY

Efficiency Ratio (YTD, annualized)

55.03%+35 bps YoY

Tier 1 Leverage Ratio

7.99%-607 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets1.02%1.12%1.55%1.58%1.44%+42 bps
Return on Equity8.06%8.86%11.97%11.98%12.21%+415 bps
Net Interest Margin4.12%3.97%3.80%3.89%4.03%-9 bps
Efficiency Ratio54.68%55.38%50.30%50.15%55.03%+35 bps
Non-Interest Burden2.19%2.14%1.85%1.89%2.16%-3 bps
Growth
Asset Growth (YoY)6.94%2.98%6.75%0.51%-1.18%-812 bps
Loan Growth (YoY)20.99%15.36%14.80%9.50%6.92%-1,407 bps
Deposit Growth (YoY)-0.73%-7.40%1.36%-2.80%14.09%+1,482 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.52%1.01%-0.02%-0.02%-0.02%-154 bps
Allowance / Loans1.16%1.04%1.17%1.13%1.19%+3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio14.06%13.75%13.94%14.49%7.99%-607 bps
Total Risk-Based Capital14.06%13.75%13.94%14.49%12.39%-167 bps
Equity / Assets13.16%12.54%13.44%13.69%7.47%-569 bps
Liquidity & Funding
Loans / Deposits90.58%107.11%89.48%95.48%84.89%-569 bps
Liquid Assets / Assets4.81%2.60%5.64%2.71%2.46%-234 bps
CRE / Total Capitaln/an/an/an/a7.91%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 2026-10-10

Haviland State Bank, The

Haviland, KS · Cert 17403 · Peer group: banks under $1B in assets in KS (n=98)

FDIC · 2 branches

Q3 2025

$47.8MAssets
$34.2MLoans
$40.3MDeposits
$3.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 19 of 98).
  • Widest gap: equity / assets trails 87% of banks under $1B in assets in KS (rank 85 of 98).
  • Overall: at or above the peer median on 6 of 10 directional measures.

Return on Assets

1.50%

Rank 21 of 98

Net Interest Margin

4.03%

Rank 16 of 98

Efficiency Ratio

55.03%

Rank 25 of 98

Equity / Assets

7.47%

Rank 85 of 98

Non-interest income vs. expense

$0.1M$1.1MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 76% of banks under $1B in assets in KS
Bank 55.03%Peer median 62.2%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.50%0.87%1.13%1.43%Beats 79%21 / 98
Return on Equity20.03%7.87%10.19%12.93%Beats 95%5 / 98
Net Interest Margin4.03%3.10%3.39%3.79%Beats 84%16 / 98
Efficiency Ratio55.03%55.03%62.21%66.71%Beats 76%25 / 98
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.41%0.81%Beats 100%19 / 98
Net Charge-Offs / Loans0.00%n/a0.02%0.06%Beats 100%30 / 98
Capital
Tier 1 Capital Ratio11.19%11.60%13.92%17.97%Beats 21%77 / 98
Total Risk-Based Capital Ratio12.39%12.17%14.18%18.26%Beats 26%73 / 98
Equity / Assets7.47%8.30%10.85%13.75%Beats 13%85 / 98
Liquidity & Funding
Loans / Deposits84.89%54.78%71.78%83.78%77th pctl23 / 98
Loans / Assets71.64%48.58%60.54%67.72%83rd pctl17 / 98
Brokered Deposits / Deposits7.44%n/an/a2.50%Beats 14%85 / 98