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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

4.71%Q2 ’245.13%Q2 ’255.26%Q2 ’26+20%+4%

Non-interest income vs. expense

1.73%Q2 ’241.93%Q2 ’252.10%Q2 ’26+13%+9%

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 14 bps year over year; NIM at 3.83%.
  • 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 (quarter, annualized)

1.34%-14 bps YoY

Net Interest Margin (quarter, annualized)

3.83%+15 bps YoY

Efficiency Ratio (quarter, annualized)

47.79%-169 bps YoY

Tier 1 Leverage Ratio

9.96%+2 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.56%1.18%1.34%1.34%-14 bps
Return on Equity17.66%18.12%12.90%14.18%13.98%-368 bps
Net Interest Margin3.68%3.80%3.65%3.79%3.83%+15 bps
Efficiency Ratio49.48%48.26%61.53%48.72%47.79%-169 bps
Non-Interest Burden1.71%1.72%2.14%1.98%1.86%+15 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 / Loans0.00%-0.01%0.01%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