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Farmers State Bank

Dwight, KS · Cert 17632

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

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 KS (n=98). 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

16

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

8

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

Dwight, KS · Cert 17632

State charter, non-member · FDIC · 1 branch

Q2 2026

$19.5MAssets
$6.4MLoans
$17.4MDeposits
$2.1MEquity
Loan mix
61%RE $3.0M30%C&I $1.5M10%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $12.8M26%Noninterest $4.6MQ2 2025Q2 2026

NIM

4.40%Q2 ’244.44%Q2 ’254.51%Q2 ’260%-2%

Non-interest income vs. expense

2.57%Q2 ’242.27%Q2 ’252.38%Q2 ’26-11%+5%

Executive Summary

  • Earnings: ROA of 0.83%, down 27 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 6.76% of loans (+429 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.47%, down 9 bps from a year ago.
  • Funding: loans stand at 36.97% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.83%-27 bps YoY

Net Interest Margin (YTD, annualized)

3.17%-7 bps YoY

Efficiency Ratio (YTD, annualized)

73.98%+506 bps YoY

Tier 1 Leverage Ratio

10.47%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.10%0.05%0.74%0.83%-27 bps
Return on Equity9.97%10.12%0.44%7.37%8.18%-179 bps
Net Interest Margin3.24%3.13%3.19%3.10%3.17%-7 bps
Efficiency Ratio68.92%68.67%91.21%76.88%73.98%+506 bps
Non-Interest Burden2.21%2.13%2.90%2.37%2.33%+12 bps
Growth
Asset Growth (YoY)21.99%26.10%24.66%8.30%-3.24%-2,522 bps
Loan Growth (YoY)-11.47%-5.41%2.92%11.98%1.69%+1,316 bps
Deposit Growth (YoY)24.87%29.54%28.06%9.25%-3.58%-2,845 bps
Asset Quality
Nonperforming Loans / Loans2.47%5.72%2.06%3.65%6.76%+429 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.98%1.88%2.31%2.42%2.73%+75 bps
Allowance Coverage of NPLs0.8x0.3x1.1x0.7x0.4x-0.4x
Capital
Tier 1 Leverage Ratio10.57%10.26%9.60%10.01%10.47%-9 bps
Total Risk-Based Capital10.57%10.26%9.60%10.01%10.47%-9 bps
Equity / Assets10.32%10.26%9.71%10.25%10.62%+30 bps
Liquidity & Funding
Loans / Deposits35.05%35.72%41.17%40.91%36.97%+192 bps
Liquid Assets / Assets67.91%67.15%62.32%62.68%66.35%-156 bps
CRE / Total Capitaln/a8.89%9.50%2.32%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

Dwight, KS · Cert 17632 · Peer group: banks under $1B in assets in KS (n=98)

State charter, non-member · FDIC · 1 branch

Q2 2026

$19.5MAssets
$6.4MLoans
$17.4MDeposits
$2.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets in KS (rank 96 of 98).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.85%

Rank 86 of 98

Net Interest Margin

3.17%

Rank 80 of 98

Efficiency Ratio

73.98%

Rank 91 of 98

Equity / Assets

10.62%

Rank 54 of 98

Non-interest income vs. expense

$10K$472KINCOMEEXPENSE
Unfavorable gap of $462K · efficiency ratio beats 8% of banks under $1B in assets in KS
Bank 73.98%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.85%1.03%1.24%1.54%Beats 12%86 / 98
Return on Equity8.01%8.85%11.58%14.73%Beats 17%81 / 98
Net Interest Margin3.17%3.24%3.62%3.91%Beats 18%80 / 98
Efficiency Ratio73.98%51.87%58.88%64.74%Beats 8%91 / 98
Asset Quality
Nonperforming Loans / Loans6.76%0.01%0.33%1.05%Beats 3%96 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio10.47%11.81%13.71%17.33%Beats 12%86 / 98
Total Risk-Based Capital Ratio10.47%11.81%14.13%17.45%Beats 11%87 / 98
Equity / Assets10.62%8.60%11.34%13.10%Beats 45%54 / 98
Liquidity & Funding
Loans / Deposits36.97%57.09%69.84%82.47%5th pctl93 / 98
Loans / Assets32.89%49.34%58.31%68.94%5th pctl93 / 98
Brokered Deposits / Depositsn/aNot reported for this institution