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City State Bank, The

Fort Scott, KS · Cert 17607 · City Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$57.7MAssets
$38.5MLoans
$52.7MDeposits
$4.7MEquity
Loan mix
88%RE $28.2M7%C&I $2.3M5%Consumer $1.7MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $39.7M25%Noninterest $13.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.31%, up 30 bps year over year; NIM at 3.67%.
  • 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 8.92%, down 35 bps from a year ago.
  • Funding: loans stand at 73.08% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.31%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+14 bps YoY

Efficiency Ratio (YTD, annualized)

59.60%-825 bps YoY

Tier 1 Leverage Ratio

8.92%-35 bps YoY

NIM

4.38%Q2 ’244.69%Q2 ’254.80%Q2 ’26+2%+4%

Non-interest income vs. expense

2.70%Q2 ’242.66%Q2 ’252.42%Q2 ’26-1%-11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.89%0.92%1.01%1.15%1.19%1.19%1.31%+30 bps
Return on Equity11.87%12.23%12.33%13.24%14.81%15.05%14.38%15.89%+265 bps
Net Interest Margin3.43%3.43%3.50%3.53%3.59%3.64%3.74%3.67%+14 bps
Efficiency Ratio71.70%70.76%70.10%67.85%64.91%63.88%62.59%59.60%-825 bps
Non-Interest Burden2.35%2.31%2.33%2.27%2.12%2.12%2.18%2.03%-24 bps
Growth
Asset Growth (YoY)0.21%0.20%2.48%3.00%4.93%1.66%5.68%6.35%+335 bps
Loan Growth (YoY)1.76%6.55%3.21%-0.90%7.83%4.20%8.73%13.71%+1,460 bps
Deposit Growth (YoY)-3.62%-2.25%1.68%5.22%7.92%1.44%5.36%6.19%+97 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.02%0.99%1.01%1.02%0.99%1.00%0.99%0.99%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.18%9.26%9.16%9.27%9.46%9.51%9.37%8.92%-35 bps
Total Risk-Based Capital9.18%9.26%9.16%9.27%9.46%9.51%9.37%8.92%-35 bps
Equity / Assets7.69%7.41%7.52%7.85%8.22%8.50%8.02%8.17%+31 bps
Liquidity & Funding
Loans / Deposits71.84%73.05%68.99%68.25%71.78%75.03%71.19%73.08%+483 bps
Liquid Assets / Assets12.11%12.10%11.78%11.75%11.17%12.33%11.57%11.04%-70 bps
CRE / Total Capitaln/an/an/an/a40.51%38.80%41.63%n/an/a