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Farmers State Bank of Blue Mound, The

Blue Mound, KS · Cert 17629 · Kansas Investors Bancshares

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 in the Kansas City, MO-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 Kansas City, MO-KS area (n=39 to 40). 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

45

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

27

Q2 2024Q2 2026peer median

Efficiency

25

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

Farmers State Bank of Blue Mound, The

Blue Mound, KS · Cert 17629 · Kansas Investors Bancshares

State charter, non-member · FDIC · 3 branches

Q2 2026

$57.6MAssets
$48.8MLoans
$47.9MDeposits
$7.2MEquity
Loan mix
82%RE $28.4M10%C&I $3.4M8%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $36.0M25%Noninterest $11.9MQ2 2025Q2 2026

NIM

5.72%Q2 ’246.00%Q2 ’256.09%Q2 ’26+3%+4%

Non-interest income vs. expense

3.90%Q2 ’243.27%Q2 ’253.42%Q2 ’26-16%+7%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.0% share · #100 of 114 inst. · $0.0B of $99.1B

13.8% Linn
5.1% Anderson

Executive Summary

  • Earnings: ROA of 1.05%, down 20 bps year over year; NIM at 4.65%.
  • Asset quality: problem loans at 0.20% of loans (-72 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.61%, down 483 bps from a year ago.
  • Funding: loans stand at 101.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%-20 bps YoY

Net Interest Margin (YTD, annualized)

4.65%+17 bps YoY

Efficiency Ratio (YTD, annualized)

66.42%-37 bps YoY

Tier 1 Leverage Ratio

11.61%-483 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%0.30%0.18%1.04%1.05%-20 bps
Return on Equity8.31%2.19%1.34%8.21%8.28%-3 bps
Net Interest Margin4.47%4.65%1.20%4.76%4.65%+17 bps
Efficiency Ratio66.79%73.53%75.76%67.12%66.42%-37 bps
Non-Interest Burden2.85%3.32%0.91%3.14%3.04%+20 bps
Growth
Asset Growth (YoY)-1.53%-7.67%-8.58%-8.63%7.14%+866 bps
Loan Growth (YoY)4.14%2.57%22.82%14.54%35.73%+3,159 bps
Deposit Growth (YoY)-3.31%-0.74%-6.47%-6.52%6.36%+967 bps
Asset Quality
Nonperforming Loans / Loans0.92%0.05%0.10%0.20%0.20%-72 bps
Net Charge-Offs / Loans-0.07%-0.07%0.00%-0.01%0.00%+6 bps
Allowance / Loans1.12%1.29%0.75%0.84%0.76%-36 bps
Allowance Coverage of NPLs1.2x24.9x7.9x4.3x3.8x+2.6x
Capital
Tier 1 Leverage Ratio16.44%8.65%10.76%11.23%11.61%-483 bps
Total Risk-Based Capital16.44%8.65%10.76%11.23%11.61%-483 bps
Equity / Assets15.97%8.81%12.58%12.87%12.58%-339 bps
Liquidity & Funding
Loans / Deposits79.77%77.21%91.41%88.66%101.79%+2,203 bps
Liquid Assets / Assets0.93%0.00%0.00%0.00%0.00%-93 bps
CRE / Total Capitaln/a61.62%119.25%117.97%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

Farmers State Bank of Blue Mound, The

Blue Mound, KS · Cert 17629 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Kansas Investors Bancshares

State charter, non-member · FDIC · 3 branches

Q2 2026

$57.6MAssets
$48.8MLoans
$47.9MDeposits
$7.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 15 of 39).
  • Widest gap: return on equity trails 77% of banks under $1B in assets in the Kansas City, MO-KS area (rank 31 of 40).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.99%

Rank 31 of 40

Net Interest Margin

4.65%

Rank 8 of 40

Efficiency Ratio

69.29%

Rank 31 of 40

Equity / Assets

12.58%

Rank 9 of 40

Non-interest income vs. expense

$0.2M$1.9MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 25% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 69.29%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.99%1.02%1.39%1.86%Beats 23%31 / 40
Return on Equity7.86%10.74%14.78%21.32%Beats 23%31 / 40
Net Interest Margin4.65%3.33%4.05%4.63%Beats 80%8 / 40
Efficiency Ratio69.29%51.70%58.10%69.29%Beats 25%31 / 40
Asset Quality
Nonperforming Loans / Loans0.20%0.05%0.20%1.11%Beats 49%21 / 39
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%15 / 39
Capital
Tier 1 Capital Ratio11.61%11.32%12.27%16.94%Beats 28%29 / 40
Total Risk-Based Capital Ratio11.61%11.32%13.09%17.63%Beats 28%29 / 40
Equity / Assets12.58%8.41%10.10%12.34%Beats 78%9 / 40
Liquidity & Funding
Loans / Deposits101.79%73.50%85.60%94.85%85th pctl6 / 40
Loans / Assets84.63%62.75%69.87%79.23%90th pctl4 / 40
Brokered Deposits / Depositsn/aNot reported for this institution