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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 $2.4MQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $32.6M30%Noninterest $14.2MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.20%1.17%1.23%1.19%1.20%1.22%1.29%+6 bps
Return on Equity10.09%10.12%9.79%10.13%9.67%9.74%9.97%10.65%+53 bps
Net Interest Margin3.15%3.10%3.11%3.10%3.17%3.18%3.21%3.27%+18 bps
Efficiency Ratio56.38%56.51%56.07%55.03%56.59%56.62%55.78%54.06%-97 bps
Non-Interest Burden1.67%1.64%1.62%1.58%1.68%1.69%1.70%1.67%+8 bps
Growth
Asset Growth (YoY)2.73%1.23%7.70%5.11%6.41%6.31%5.73%11.72%+661 bps
Loan Growth (YoY)-4.77%0.86%5.68%4.45%4.93%6.72%2.81%5.04%+59 bps
Deposit Growth (YoY)0.87%0.08%7.39%4.37%6.45%5.99%5.70%12.89%+852 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.08%0.17%0.53%0.78%0.50%0.31%+14 bps
Net Charge-Offs / Loans0.00%0.00%-0.02%-0.01%-0.01%0.00%0.00%0.00%+1 bps
Allowance / Loans1.47%1.39%1.39%1.42%1.40%1.31%1.35%1.35%-7 bps
Allowance Coverage of NPLsn/a105.7x17.7x8.4x2.6x1.7x2.7x4.4x-4.0x
Capital
Tier 1 Leverage Ratio13.16%12.40%12.62%12.49%13.02%12.42%12.15%12.29%-20 bps
Total Risk-Based Capital13.16%12.40%12.62%12.49%13.02%12.42%12.15%12.29%-20 bps
Equity / Assets12.80%11.85%12.00%12.58%12.88%12.24%12.15%11.96%-62 bps
Liquidity & Funding
Loans / Deposits55.19%55.82%53.91%54.19%54.40%56.20%52.44%50.42%-377 bps
Liquid Assets / Assets19.66%20.51%19.13%23.42%25.38%23.37%31.80%32.68%+926 bps
CRE / Total Capitaln/an/an/an/a39.38%39.79%35.59%n/an/a