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Bank of Greeley

Greeley, KS · Cert 17995 · Greeley 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

22

Q2 2024Q2 2026peer median

Efficiency

70

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

Bank of Greeley

Greeley, KS · Cert 17995 · Greeley Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$54.4MAssets
$23.6MLoans
$46.8MDeposits
$6.5MEquity
Loan mix
80%RE $16.0M8%C&I $1.6M12%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $32.6M30%Noninterest $14.2MQ2 2025Q2 2026

NIM

4.36%Q2 ’244.67%Q2 ’254.72%Q2 ’26-2%+6%

Non-interest income vs. expense

1.92%Q2 ’241.85%Q2 ’251.89%Q2 ’26-5%+5%

Executive Summary

  • Earnings: ROA of 1.29%, up 6 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.31% of loans (+14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.29%, down 20 bps from a year ago.
  • Funding: loans stand at 50.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.27%+18 bps YoY

Efficiency Ratio (YTD, annualized)

54.06%-97 bps YoY

Tier 1 Leverage Ratio

12.29%-20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.19%1.20%1.22%1.29%+6 bps
Return on Equity10.13%9.67%9.74%9.97%10.65%+53 bps
Net Interest Margin3.10%3.17%3.18%3.21%3.27%+18 bps
Efficiency Ratio55.03%56.59%56.62%55.78%54.06%-97 bps
Non-Interest Burden1.58%1.68%1.69%1.70%1.67%+8 bps
Growth
Asset Growth (YoY)5.11%6.41%6.31%5.73%11.72%+661 bps
Loan Growth (YoY)4.45%4.93%6.72%2.81%5.04%+59 bps
Deposit Growth (YoY)4.37%6.45%5.99%5.70%12.89%+852 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.53%0.78%0.50%0.31%+14 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%+1 bps
Allowance / Loans1.42%1.40%1.31%1.35%1.35%-7 bps
Allowance Coverage of NPLs8.4x2.6x1.7x2.7x4.4x-4.0x
Capital
Tier 1 Leverage Ratio12.49%13.02%12.42%12.15%12.29%-20 bps
Total Risk-Based Capital12.49%13.02%12.42%12.15%12.29%-20 bps
Equity / Assets12.58%12.88%12.24%12.15%11.96%-62 bps
Liquidity & Funding
Loans / Deposits54.19%54.40%56.20%52.44%50.42%-377 bps
Liquid Assets / Assets23.42%25.38%23.37%31.80%32.68%+926 bps
CRE / Total Capitaln/a39.38%39.79%35.59%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

Bank of Greeley

Greeley, KS · Cert 17995 · Peer group: banks under $1B in assets in KS (n=98) · Greeley Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$54.4MAssets
$23.6MLoans
$46.8MDeposits
$6.5MEquity

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 72% of banks under $1B in assets in KS (rank 71 of 98).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.24%

Rank 49 of 98

Net Interest Margin

3.27%

Rank 71 of 98

Efficiency Ratio

54.06%

Rank 30 of 98

Equity / Assets

11.96%

Rank 38 of 98

Non-interest income vs. expense

$0.1M$1.0MINCOMEEXPENSE
Unfavorable gap of $0.9M · efficiency ratio beats 70% of banks under $1B in assets in KS
Bank 54.06%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.24%1.03%1.24%1.54%Beats 50%49 / 98
Return on Equity10.40%8.85%11.58%14.73%Beats 44%55 / 98
Net Interest Margin3.27%3.24%3.62%3.91%Beats 28%71 / 98
Efficiency Ratio54.06%51.87%58.88%64.74%Beats 70%30 / 98
Asset Quality
Nonperforming Loans / Loans0.31%0.01%0.33%1.05%Beats 51%49 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio12.29%11.81%13.71%17.33%Beats 32%67 / 98
Total Risk-Based Capital Ratio12.29%11.81%14.13%17.45%Beats 29%70 / 98
Equity / Assets11.96%8.60%11.34%13.10%Beats 61%38 / 98
Liquidity & Funding
Loans / Deposits50.42%57.09%69.84%82.47%15th pctl83 / 98
Loans / Assets43.34%49.34%58.31%68.94%12th pctl86 / 98
Brokered Deposits / Depositsn/aNot reported for this institution