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Marquette Farmers State Bank of Marquette Kansas

Marquette, KS · Cert 18094

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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

17

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

Marquette Farmers State Bank of Marquette Kansas

Marquette, KS · Cert 18094

State charter, non-member · FDIC · 1 branch

Q2 2026

$33.6MAssets
$11.4MLoans
$28.2MDeposits
$5.2MEquity
Loan mix
83%RE $5.8M10%C&I $0.7M7%Consumer $0.5MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $22.6M20%Noninterest $5.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.95%, up 35 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 5.22% of loans (+119 bps YoY), with net recoveries of 0.28%.
  • Capital: tier 1 leverage ratio of 17.54%, down 55 bps from a year ago.
  • Funding: loans stand at 40.61% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.95%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.03%+26 bps YoY

Efficiency Ratio (YTD, annualized)

67.78%-1,222 bps YoY

Tier 1 Leverage Ratio

17.54%-55 bps YoY

NIM

4.08%Q2 ’244.35%Q2 ’254.43%Q2 ’26+12%+9%

Non-interest income vs. expense

2.69%Q2 ’242.40%Q2 ’252.18%Q2 ’26+0%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.43%0.44%0.60%0.56%0.48%0.81%0.95%+35 bps
Return on Equity3.06%2.95%2.99%3.99%3.64%3.08%5.04%5.98%+199 bps
Net Interest Margin2.47%2.50%2.59%2.77%2.73%2.66%3.18%3.03%+26 bps
Efficiency Ratio86.32%87.83%85.84%80.00%81.42%83.86%63.67%67.78%-1,222 bps
Non-Interest Burden2.07%2.15%2.19%2.17%2.18%2.19%1.95%1.99%-17 bps
Growth
Asset Growth (YoY)0.03%-0.19%-0.06%-1.22%-1.83%0.96%1.10%7.78%+900 bps
Loan Growth (YoY)6.24%1.02%-6.43%-9.51%-8.99%-1.68%0.21%-1.26%+825 bps
Deposit Growth (YoY)-0.33%1.91%1.56%-3.07%-2.99%-0.86%0.00%8.08%+1,115 bps
Asset Quality
Nonperforming Loans / Loans1.02%0.04%0.04%4.03%4.20%5.61%2.52%5.22%+119 bps
Net Charge-Offs / Loans0.40%0.51%0.00%0.09%0.06%0.04%-0.57%-0.28%-37 bps
Allowance / Loans3.70%3.81%3.99%3.80%3.83%3.83%4.08%3.99%+19 bps
Allowance Coverage of NPLs3.6x89.2x89.2x0.9x0.9x0.7x1.6x0.8x-0.2x
Capital
Tier 1 Leverage Ratio17.70%17.83%17.35%18.09%18.28%18.11%17.59%17.54%-55 bps
Total Risk-Based Capital17.70%17.83%17.35%18.09%18.28%18.11%17.59%17.54%-55 bps
Equity / Assets15.22%14.68%14.64%15.76%16.34%16.34%15.64%15.58%-18 bps
Liquidity & Funding
Loans / Deposits47.61%44.15%40.52%44.46%44.66%43.79%40.61%40.61%-384 bps
Liquid Assets / Assets10.00%9.32%9.75%7.83%7.90%8.58%11.29%16.73%+890 bps
CRE / Total Capitaln/an/an/an/a9.22%9.34%10.55%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

Marquette Farmers State Bank of Marquette Kansas

Marquette, KS · Cert 18094 · Peer group: banks under $1B in assets in KS (n=98)

State charter, non-member · FDIC · 1 branch

Q2 2026

$33.6MAssets
$11.4MLoans
$28.2MDeposits
$5.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets in KS (rank 95 of 98).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.92%

Rank 80 of 98

Net Interest Margin

3.03%

Rank 88 of 98

Efficiency Ratio

67.78%

Rank 82 of 98

Equity / Assets

15.58%

Rank 14 of 98

Non-interest income vs. expense

$62K$728KINCOMEEXPENSE
Unfavorable gap of $666K · efficiency ratio beats 17% of banks under $1B in assets in KS
Bank 67.78%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.92%1.03%1.24%1.54%Beats 18%80 / 98
Return on Equity5.92%8.85%11.58%14.73%Beats 6%92 / 98
Net Interest Margin3.03%3.24%3.62%3.91%Beats 10%88 / 98
Efficiency Ratio67.78%51.87%58.88%64.74%Beats 17%82 / 98
Asset Quality
Nonperforming Loans / Loans5.22%0.01%0.33%1.05%Beats 4%95 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio17.54%11.81%13.71%17.33%Beats 76%24 / 98
Total Risk-Based Capital Ratio17.54%11.81%14.13%17.45%Beats 76%24 / 98
Equity / Assets15.58%8.60%11.34%13.10%Beats 86%14 / 98
Liquidity & Funding
Loans / Deposits40.61%57.09%69.84%82.47%6th pctl92 / 98
Loans / Assets34.07%49.34%58.31%68.94%7th pctl91 / 98
Brokered Deposits / Depositsn/aNot reported for this institution