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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

$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

5.11%Q2 ’246.34%Q2 ’255.33%Q2 ’26+57%-7%

Non-interest income vs. expense

2.18%Q2 ’243.27%Q2 ’252.88%Q2 ’26+44%-11%

Executive Summary

  • Earnings: ROA of 1.17%, down 8 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.08%.
  • 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 (quarter, annualized)

1.17%-8 bps YoY

Net Interest Margin (quarter, annualized)

3.94%-31 bps YoY

Efficiency Ratio (quarter, annualized)

65.82%-260 bps YoY

Tier 1 Leverage Ratio

14.13%+80 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.03%1.12%1.26%1.17%-8 bps
Return on Equity11.36%8.41%8.99%9.80%8.93%-243 bps
Net Interest Margin4.25%3.49%3.67%3.85%3.94%-31 bps
Efficiency Ratio68.42%66.53%63.66%61.37%65.82%-260 bps
Non-Interest Burden2.72%2.15%2.14%2.18%2.42%-30 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-0.03%0.00%0.00%0.00%-0.08%-5 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