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Bendena State Bank

Bendena, KS · Cert 17410 · Bendena Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

53

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

79

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

Bendena State Bank

Bendena, KS · Cert 17410 · Bendena Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$131.5MAssets
$86.7MLoans
$114.7MDeposits
$12.9MEquity
Loan mix
84%RE $47.3M11%C&I $6.2M5%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $84.6M26%Noninterest $30.1MQ2 2025Q2 2026

NIM

4.58%Q2 ’245.10%Q2 ’255.22%Q2 ’26+16%+5%

Non-interest income vs. expense

1.74%Q2 ’241.98%Q2 ’252.18%Q2 ’26+13%+12%

Market Position · St. Joseph, MO-KS · 2026 SOD (annual) · 3.6% share · #7 of 21 inst. · $0.1B of $3.2B

Executive Summary

  • Earnings: ROA of 1.34%, down 6 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.96%, up 2 bps from a year ago.
  • Funding: loans stand at 75.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.34%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.81%+19 bps YoY

Efficiency Ratio (YTD, annualized)

48.25%-275 bps YoY

Tier 1 Leverage Ratio

9.96%+2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.40%1.45%1.37%1.34%1.34%-6 bps
Return on Equity17.41%17.60%16.06%14.18%14.05%-337 bps
Net Interest Margin3.63%3.61%3.24%3.79%3.81%+19 bps
Efficiency Ratio51.00%50.05%53.28%48.72%48.25%-275 bps
Non-Interest Burden1.72%1.68%1.61%1.98%1.92%+20 bps
Growth
Asset Growth (YoY)1.12%4.80%16.99%25.80%21.31%+2,019 bps
Loan Growth (YoY)3.57%5.92%14.94%25.58%22.70%+1,913 bps
Deposit Growth (YoY)4.31%9.02%21.22%25.18%22.60%+1,829 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.53%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%0 bps
Allowance / Loans1.13%1.13%1.02%1.05%1.07%-6 bps
Allowance Coverage of NPLsn/a2.1xn/an/an/an/a
Capital
Tier 1 Leverage Ratio9.93%9.94%9.72%9.76%9.96%+2 bps
Total Risk-Based Capital15.48%15.38%15.17%15.49%15.81%+33 bps
Equity / Assets8.45%8.81%9.41%9.42%9.79%+134 bps
Liquidity & Funding
Loans / Deposits75.54%76.88%76.12%70.98%75.59%+6 bps
Liquid Assets / Assets0.00%0.00%0.56%2.29%0.37%+37 bps
CRE / Total Capitaln/a35.06%35.09%41.03%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

Bendena State Bank

Bendena, KS · Cert 17410 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Bendena Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$131.5MAssets
$86.7MLoans
$114.7MDeposits
$12.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: equity / assets trails 61% of banks under $1B in assets operating in a single state (rank 454 of 746).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.34%

Rank 236 of 746

Net Interest Margin

3.81%

Rank 324 of 746

Efficiency Ratio

53.70%

Rank 161 of 746

Equity / Assets

9.79%

Rank 454 of 746

Non-interest income vs. expense

$0.3M$2.9MINCOMEEXPENSE
Unfavorable gap of $2.5M · efficiency ratio beats 79% of banks under $1B in assets operating in a single state
Bank 53.70%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.34%0.72%1.06%1.45%Beats 68%236 / 746
Return on Equity13.69%6.74%10.51%13.63%Beats 76%182 / 746
Net Interest Margin3.81%3.17%3.68%4.16%Beats 57%324 / 746
Efficiency Ratio53.70%55.74%64.58%75.47%Beats 79%161 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 65%259 / 743
Capital
Tier 1 Capital Ratio14.76%11.55%13.75%17.60%Beats 59%309 / 746
Total Risk-Based Capital Ratio15.81%11.71%14.33%18.43%Beats 62%286 / 746
Equity / Assets9.79%8.90%10.51%13.06%Beats 39%454 / 746
Liquidity & Funding
Loans / Deposits75.59%61.31%78.27%90.78%45th pctl411 / 746
Loans / Assets65.95%53.60%66.97%76.08%47th pctl392 / 746
Brokered Deposits / Depositsn/aNot reported for this institution