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Halstead Bank, The

Halstead, KS · Cert 17451 · Williams Holding Co. Inc.

State charter, Fed member · FED · 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

40

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

75

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

Halstead Bank, The

Halstead, KS · Cert 17451 · Williams Holding Co. Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$205.9MAssets
$145.0MLoans
$187.7MDeposits
$17.4MEquity
Loan mix
83%RE $97.4M10%C&I $11.9M7%Consumer $8.2MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $139.6M26%Noninterest $48.1MQ2 2025Q2 2026

NIM

5.59%Q2 ’246.06%Q2 ’255.96%Q2 ’26+16%+2%

Non-interest income vs. expense

2.96%Q2 ’242.66%Q2 ’252.78%Q2 ’26-8%+6%

Market Position · Wichita, KS · 2026 SOD (annual) · 0.8% share · #22 of 46 inst. · $0.2B of $23.2B

10.9% Harvey
0.4% Sedgwick

Executive Summary

  • Earnings: ROA of 1.35%, down 4 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.29% of loans (+28 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 8.56%, down 12 bps from a year ago.
  • Funding: loans stand at 77.26% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.35%-4 bps YoY

Net Interest Margin (YTD, annualized)

4.28%+9 bps YoY

Efficiency Ratio (YTD, annualized)

59.34%+156 bps YoY

Tier 1 Leverage Ratio

8.56%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.42%1.50%1.24%1.35%-4 bps
Return on Equity16.18%16.45%17.18%14.23%15.69%-50 bps
Net Interest Margin4.19%4.17%4.27%4.17%4.28%+9 bps
Efficiency Ratio57.78%57.38%56.32%62.49%59.34%+156 bps
Non-Interest Burden2.25%2.21%2.22%2.45%2.38%+13 bps
Growth
Asset Growth (YoY)7.77%12.30%6.43%8.39%5.79%-197 bps
Loan Growth (YoY)12.48%8.51%4.56%2.25%1.48%-1,100 bps
Deposit Growth (YoY)6.99%10.43%8.68%8.43%5.92%-107 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.34%0.27%0.29%+28 bps
Net Charge-Offs / Loans0.02%0.03%0.02%-0.03%-0.01%-3 bps
Allowance / Loans1.18%1.25%1.29%1.36%1.37%+18 bps
Allowance Coverage of NPLs1692.0x102.9x3.8x5.0x4.8x-1687.2x
Capital
Tier 1 Leverage Ratio8.68%8.80%8.72%8.50%8.56%-12 bps
Total Risk-Based Capital12.22%12.93%12.78%13.18%12.57%+35 bps
Equity / Assets8.60%8.83%9.00%8.42%8.45%-15 bps
Liquidity & Funding
Loans / Deposits80.64%78.80%80.60%72.97%77.26%-338 bps
Liquid Assets / Assets8.29%11.91%9.97%14.68%9.81%+152 bps
CRE / Total Capitaln/a182.08%160.26%162.09%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

Halstead Bank, The

Halstead, KS · Cert 17451 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · Williams Holding Co. Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$205.9MAssets
$145.0MLoans
$187.7MDeposits
$17.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 85% of banks under $1B in assets in the Wichita, KS area (rank 3 of 20).
  • Widest gap: equity / assets trails 70% of banks under $1B in assets in the Wichita, KS area (rank 14 of 20).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.33%

Rank 6 of 20

Net Interest Margin

4.28%

Rank 3 of 20

Efficiency Ratio

59.34%

Rank 6 of 20

Equity / Assets

8.45%

Rank 14 of 20

Non-interest income vs. expense

$0.8M$5.7MINCOMEEXPENSE
Unfavorable gap of $4.9M · efficiency ratio beats 75% of banks under $1B in assets in the Wichita, KS area
Bank 59.34%Peer median 65.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.33%0.80%1.20%1.35%Beats 70%6 / 20
Return on Equity15.77%9.43%12.85%15.78%Beats 70%6 / 20
Net Interest Margin4.28%3.71%4.04%4.23%Beats 85%3 / 20
Efficiency Ratio59.34%59.34%65.86%71.92%Beats 75%6 / 20
Asset Quality
Nonperforming Loans / Loans0.29%0.06%0.64%1.17%Beats 60%9 / 20
Net Charge-Offs / Loans0.00%n/a0.02%0.09%Beats 65%8 / 20
Capital
Tier 1 Capital Ratio11.32%11.10%11.73%15.56%Beats 40%12 / 20
Total Risk-Based Capital Ratio12.57%11.80%12.57%16.49%Beats 50%10 / 20
Equity / Assets8.45%8.39%8.81%11.24%Beats 30%14 / 20
Liquidity & Funding
Loans / Deposits77.26%62.67%77.26%93.25%50th pctl10 / 20
Loans / Assets70.43%54.38%67.74%81.71%60th pctl8 / 20
Brokered Deposits / Depositsn/aNot reported for this institution