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First State Bank of Healy, The

Healy, KS · Cert 17661 · West 4 Bancshares Inc.

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

74

Q2 2024Q2 2026peer median (50)

Asset Quality

64

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

67

Q2 2024Q2 2026peer median

Efficiency

62

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

First State Bank of Healy, The

Healy, KS · Cert 17661 · West 4 Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (3 in holding)

Q2 2026

$108.8MAssets
$66.3MLoans
$86.5MDeposits
$16.2MEquity
Loan mix
71%RE $30.3M28%C&I $12.1M1%Consumer $0.4MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $75.5M13%Noninterest $10.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.08%, up 5 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.89% of loans (+45 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.77%, up 185 bps from a year ago.
  • Funding: loans stand at 76.74% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.08%+5 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+34 bps YoY

Efficiency Ratio (YTD, annualized)

55.59%+250 bps YoY

Tier 1 Leverage Ratio

16.77%+185 bps YoY

NIM

4.77%Q2 ’245.03%Q2 ’254.99%Q2 ’26+3%+13%

Non-interest income vs. expense

1.42%Q2 ’241.47%Q2 ’251.73%Q2 ’26+8%+19%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%0.99%1.00%1.03%1.01%0.99%0.96%1.08%+5 bps
Return on Equity7.98%7.86%8.30%8.70%8.28%8.01%7.06%7.71%-99 bps
Net Interest Margin2.34%2.33%2.60%2.62%2.69%2.72%2.81%2.96%+34 bps
Efficiency Ratio53.47%54.48%53.10%53.09%54.10%55.33%55.87%55.59%+250 bps
Non-Interest Burden1.17%1.19%1.31%1.32%1.39%1.44%1.50%1.57%+25 bps
Growth
Asset Growth (YoY)13.07%14.04%11.01%6.76%-2.24%0.85%-3.12%-8.42%-1,517 bps
Loan Growth (YoY)11.48%26.78%21.23%12.25%-1.41%-7.17%-16.56%-13.86%-2,611 bps
Deposit Growth (YoY)12.53%16.96%14.04%9.86%2.36%-0.03%-0.66%-8.19%-1,805 bps
Asset Quality
Nonperforming Loans / Loans0.40%0.36%0.53%0.44%0.45%0.34%0.95%0.89%+45 bps
Net Charge-Offs / Loans-0.07%-0.06%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.57%1.50%1.50%1.47%1.60%1.61%1.79%1.71%+24 bps
Allowance Coverage of NPLs3.9x4.1x2.8x3.4x3.5x4.8x1.9x1.9x-1.5x
Capital
Tier 1 Leverage Ratio14.61%14.66%15.03%14.92%15.48%15.83%16.24%16.77%+185 bps
Total Risk-Based Capital14.61%14.66%15.03%14.92%15.48%15.83%16.24%16.77%+185 bps
Equity / Assets12.75%11.86%12.12%11.68%13.25%13.16%14.12%14.87%+319 bps
Liquidity & Funding
Loans / Deposits80.70%76.43%81.34%81.79%77.73%70.97%68.31%76.74%-505 bps
Liquid Assets / Assets0.06%0.07%0.12%0.05%0.14%0.13%0.12%0.09%+4 bps
CRE / Total Capitaln/an/an/an/a43.41%41.56%39.32%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

First State Bank of Healy, The

Healy, KS · Cert 17661 · Peer group: banks under $1B in assets in KS (n=98) · West 4 Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (3 in holding)

Q2 2026

$108.8MAssets
$66.3MLoans
$86.5MDeposits
$16.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: net interest margin trails 94% of banks under $1B in assets in KS (rank 92 of 98).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.13%

Rank 61 of 98

Net Interest Margin

2.96%

Rank 92 of 98

Efficiency Ratio

55.59%

Rank 38 of 98

Equity / Assets

14.87%

Rank 17 of 98

Non-interest income vs. expense

$0.2M$1.9MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 62% of banks under $1B in assets in KS
Bank 55.59%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.13%1.03%1.24%1.54%Beats 38%61 / 98
Return on Equity7.61%8.85%11.58%14.73%Beats 15%83 / 98
Net Interest Margin2.96%3.24%3.62%3.91%Beats 6%92 / 98
Efficiency Ratio55.59%51.87%58.88%64.74%Beats 62%38 / 98
Asset Quality
Nonperforming Loans / Loans0.89%0.01%0.33%1.05%Beats 28%72 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio16.77%11.81%13.71%17.33%Beats 73%26 / 98
Total Risk-Based Capital Ratio16.77%11.81%14.13%17.45%Beats 66%33 / 98
Equity / Assets14.87%8.60%11.34%13.10%Beats 83%17 / 98
Liquidity & Funding
Loans / Deposits76.74%57.09%69.84%82.47%64th pctl35 / 98
Loans / Assets60.97%49.34%58.31%68.94%53rd pctl46 / 98
Brokered Deposits / Depositsn/aNot reported for this institution