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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 $0.4MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $75.5M13%Noninterest $10.9MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.01%0.99%0.96%1.08%+5 bps
Return on Equity8.70%8.28%8.01%7.06%7.71%-99 bps
Net Interest Margin2.62%2.69%2.72%2.81%2.96%+34 bps
Efficiency Ratio53.09%54.10%55.33%55.87%55.59%+250 bps
Non-Interest Burden1.32%1.39%1.44%1.50%1.57%+25 bps
Growth
Asset Growth (YoY)6.76%-2.24%0.85%-3.12%-8.42%-1,517 bps
Loan Growth (YoY)12.25%-1.41%-7.17%-16.56%-13.86%-2,611 bps
Deposit Growth (YoY)9.86%2.36%-0.03%-0.66%-8.19%-1,805 bps
Asset Quality
Nonperforming Loans / Loans0.44%0.45%0.34%0.95%0.89%+45 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.47%1.60%1.61%1.79%1.71%+24 bps
Allowance Coverage of NPLs3.4x3.5x4.8x1.9x1.9x-1.5x
Capital
Tier 1 Leverage Ratio14.92%15.48%15.83%16.24%16.77%+185 bps
Total Risk-Based Capital14.92%15.48%15.83%16.24%16.77%+185 bps
Equity / Assets11.68%13.25%13.16%14.12%14.87%+319 bps
Liquidity & Funding
Loans / Deposits81.79%77.73%70.97%68.31%76.74%-505 bps
Liquid Assets / Assets0.05%0.14%0.13%0.12%0.09%+4 bps
CRE / Total Capitaln/a43.41%41.56%39.32%n/an/a