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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 1.33%, down 16 bps year over year; NIM at 4.35%.
  • 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 (quarter, annualized)

1.33%-16 bps YoY

Net Interest Margin (quarter, annualized)

4.35%-28 bps YoY

Efficiency Ratio (quarter, annualized)

60.91%-84 bps YoY

Tier 1 Leverage Ratio

9.20%+10 bps YoY

NIM

6.52%Q2 ’246.89%Q2 ’256.49%Q2 ’26+11%-6%

Non-interest income vs. expense

3.10%Q2 ’243.19%Q2 ’252.83%Q2 ’26-3%-5%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.55%1.25%1.49%1.50%1.68%1.59%1.33%-16 bps
Return on Equity13.86%19.38%15.29%18.18%17.87%19.41%18.38%15.25%-293 bps
Net Interest Margin4.06%4.38%4.31%4.63%4.75%4.56%4.53%4.35%-28 bps
Efficiency Ratio68.57%57.92%64.75%61.75%60.48%54.79%55.72%60.91%-84 bps
Non-Interest Burden2.66%2.39%2.67%2.65%2.72%2.35%2.39%2.53%-12 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%0.23%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