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Stockgrowers State Bank

Ashland, KS · Cert 17650 · Stockgrowers STB Employee STK Ownership Plan

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 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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

38

Q2 2024Q2 2026peer median

Efficiency

32

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

Stockgrowers State Bank

Ashland, KS · Cert 17650 · Stockgrowers STB Employee STK Ownership Plan

State charter, non-member · FDIC · 3 branches

Q2 2026

$227.1MAssets
$150.8MLoans
$181.3MDeposits
$29.5MEquity
Loan mix
71%RE $41.3M26%C&I $15.2M3%Consumer $1.6MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $149.8M17%Noninterest $31.5MQ2 2025Q2 2026

NIM

5.10%Q2 ’245.29%Q2 ’255.33%Q2 ’26+23%+14%

Non-interest income vs. expense

2.14%Q2 ’242.52%Q2 ’252.77%Q2 ’26+14%+9%

Executive Summary

  • Earnings: ROA of 1.21%, up 11 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 14.13%, up 80 bps from a year ago.
  • Funding: loans stand at 83.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+48 bps YoY

Efficiency Ratio (YTD, annualized)

63.61%-254 bps YoY

Tier 1 Leverage Ratio

14.13%+80 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.08%1.10%1.26%1.21%+11 bps
Return on Equity10.41%9.78%9.66%9.80%9.36%-105 bps
Net Interest Margin3.43%3.49%3.52%3.85%3.91%+48 bps
Efficiency Ratio66.15%66.28%65.59%61.37%63.61%-254 bps
Non-Interest Burden2.13%2.16%2.15%2.18%2.31%+19 bps
Growth
Asset Growth (YoY)25.72%32.64%23.31%13.59%4.46%-2,126 bps
Loan Growth (YoY)31.71%46.65%20.24%23.47%17.38%-1,433 bps
Deposit Growth (YoY)39.52%38.15%31.46%14.68%0.92%-3,859 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.01%0.00%-0.04%-2 bps
Allowance / Loans1.25%1.14%1.26%1.24%1.16%-8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.33%13.71%13.60%13.78%14.13%+80 bps
Total Risk-Based Capital13.33%13.71%13.60%13.78%14.13%+80 bps
Equity / Assets12.25%12.36%12.56%13.24%13.00%+75 bps
Liquidity & Funding
Loans / Deposits71.53%79.26%69.45%75.24%83.19%+1,166 bps
Liquid Assets / Assets0.46%0.47%0.53%0.52%0.52%+6 bps
CRE / Total Capitaln/a8.22%8.07%6.71%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

Stockgrowers State Bank

Ashland, KS · Cert 17650 · Peer group: banks under $1B in assets in KS (n=98) · Stockgrowers STB Employee STK Ownership Plan

State charter, non-member · FDIC · 3 branches

Q2 2026

$227.1MAssets
$150.8MLoans
$181.3MDeposits
$29.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 98).
  • Widest gap: return on equity trails 73% of banks under $1B in assets in KS (rank 72 of 98).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.19%

Rank 52 of 98

Net Interest Margin

3.91%

Rank 26 of 98

Efficiency Ratio

63.61%

Rank 68 of 98

Equity / Assets

13.00%

Rank 27 of 98

Non-interest income vs. expense

$1.0M$6.1MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 32% of banks under $1B in assets in KS
Bank 63.61%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.19%1.03%1.24%1.54%Beats 47%52 / 98
Return on Equity9.17%8.85%11.58%14.73%Beats 27%72 / 98
Net Interest Margin3.91%3.24%3.62%3.91%Beats 73%26 / 98
Efficiency Ratio63.61%51.87%58.88%64.74%Beats 32%68 / 98
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.33%1.05%Beats 100%17 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 61%39 / 98
Capital
Tier 1 Capital Ratio14.13%11.81%13.71%17.33%Beats 54%45 / 98
Total Risk-Based Capital Ratio14.13%11.81%14.13%17.45%Beats 50%49 / 98
Equity / Assets13.00%8.60%11.34%13.10%Beats 72%27 / 98
Liquidity & Funding
Loans / Deposits83.19%57.09%69.84%82.47%77th pctl23 / 98
Loans / Assets66.38%49.34%58.31%68.94%66th pctl33 / 98
Brokered Deposits / Depositsn/aNot reported for this institution