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Patriots Bank

Garnett, KS · Cert 18019 · Garnett Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

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 operating regionally (n=94). 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

10

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

67

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

Patriots Bank

Garnett, KS · Cert 18019 · Garnett Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$268.8MAssets
$204.9MLoans
$233.4MDeposits
$23.7MEquity
Loan mix
89%RE $178.3M8%C&I $16.5M3%Consumer $5.6MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $195.5M16%Noninterest $37.9MQ3 2024Q2 2026

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #84 of 114 inst. · $0.1B of $99.1B

27.8% Anderson
0.3% Johnson
8.7% Franklin
0.6% Camden

Executive Summary

  • Earnings: ROA of 1.46%, up 10 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.20%, up 10 bps from a year ago.
  • Funding: loans stand at 87.78% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.46%+10 bps YoY

Net Interest Margin (YTD, annualized)

4.42%+1 bps YoY

Efficiency Ratio (YTD, annualized)

58.27%-488 bps YoY

Tier 1 Leverage Ratio

9.20%+10 bps YoY

NIM

6.32%Q2 ’246.67%Q2 ’256.58%Q2 ’26+9%+0%

Non-interest income vs. expense

3.06%Q2 ’243.06%Q2 ’252.75%Q2 ’26+0%-7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.20%1.25%1.37%1.41%1.49%1.59%1.46%+10 bps
Return on Equity14.55%15.90%15.29%16.77%17.08%17.80%18.38%16.83%+5 bps
Net Interest Margin4.01%4.09%4.31%4.42%4.47%4.37%4.53%4.42%+1 bps
Efficiency Ratio68.10%65.42%64.75%63.15%62.21%60.30%55.72%58.27%-488 bps
Non-Interest Burden2.60%2.54%2.67%2.63%2.62%2.48%2.39%2.45%-18 bps
Growth
Asset Growth (YoY)1.28%3.32%2.65%3.66%7.30%10.62%13.30%7.61%+395 bps
Loan Growth (YoY)6.07%4.42%-0.52%2.86%8.87%10.44%19.57%8.90%+604 bps
Deposit Growth (YoY)4.42%3.84%3.96%6.09%6.79%12.15%14.27%4.61%-148 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.22%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.06%0.00%0.00%0 bps
Allowance / Loans1.02%1.03%1.11%1.06%1.05%0.99%1.02%1.08%+2 bps
Allowance Coverage of NPLsn/an/an/an/a4.7xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.47%8.71%9.18%9.10%9.37%9.11%9.31%9.20%+10 bps
Total Risk-Based Capital11.81%12.04%13.26%12.62%12.64%12.26%12.62%9.20%-342 bps
Equity / Assets7.94%8.01%8.28%8.13%8.67%8.60%8.65%8.80%+67 bps
Liquidity & Funding
Loans / Deposits87.13%89.61%82.78%84.32%88.82%88.23%86.62%87.78%+346 bps
Liquid Assets / Assets7.72%7.17%12.17%10.47%8.84%6.67%9.33%8.62%-185 bps
CRE / Total Capitaln/an/an/an/a524%530%524%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

Patriots Bank

Garnett, KS · Cert 18019 · Peer group: banks under $1B in assets operating regionally (n=94) · Garnett Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$268.8MAssets
$204.9MLoans
$233.4MDeposits
$23.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating regionally (rank 6 of 94).
  • Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets operating regionally (rank 90 of 94).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.45%

Rank 26 of 94

Net Interest Margin

4.42%

Rank 14 of 94

Efficiency Ratio

58.27%

Rank 32 of 94

Equity / Assets

8.80%

Rank 74 of 94

Non-interest income vs. expense

$0.8M$7.5MINCOMEEXPENSE
Unfavorable gap of $6.7M · efficiency ratio beats 67% of banks under $1B in assets operating regionally
Bank 58.27%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.45%0.82%1.19%1.46%Beats 72%26 / 94
Return on Equity16.48%7.85%11.84%14.03%Beats 89%10 / 94
Net Interest Margin4.42%3.42%3.81%4.18%Beats 85%14 / 94
Efficiency Ratio58.27%55.99%62.41%73.02%Beats 67%32 / 94
Asset Quality
Nonperforming Loans / Loans0.00%0.19%0.47%1.14%Beats 100%6 / 94
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 100%12 / 94
Capital
Tier 1 Capital Ratio9.20%10.28%11.95%15.07%Beats 4%90 / 94
Total Risk-Based Capital Ratio9.20%10.31%12.59%15.88%Beats 4%90 / 94
Equity / Assets8.80%8.98%10.21%11.41%Beats 21%74 / 94
Liquidity & Funding
Loans / Deposits87.78%72.62%84.44%94.55%64th pctl34 / 94
Loans / Assets76.22%62.50%72.84%78.99%65th pctl33 / 94
Brokered Deposits / Depositsn/aNot reported for this institution