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Bank of the Plains

Plains, KS · Cert 18118 · Plains Bancshares Inc.

State charter, non-member · FDIC · 8 branches

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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

87

Q2 2024Q2 2026peer median (50)

Liquidity

46

Q2 2024Q2 2026peer median

Efficiency

66

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 the Plains

Plains, KS · Cert 18118 · Plains Bancshares Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$445.6MAssets
$317.9MLoans
$390.5MDeposits
$43.8MEquity
Loan mix
79%RE $217.6M20%C&I $54.4M1%Consumer $3.6MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $326.3M16%Noninterest $64.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.77%, up 116 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.44% of loans (-18 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.30%, up 48 bps from a year ago.
  • Funding: loans stand at 81.42% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.77%+116 bps YoY

Net Interest Margin (YTD, annualized)

4.22%+41 bps YoY

Efficiency Ratio (YTD, annualized)

53.21%-1,904 bps YoY

Tier 1 Leverage Ratio

9.30%+48 bps YoY

NIM

5.32%Q2 ’245.58%Q2 ’255.78%Q2 ’26-1%+11%

Non-interest income vs. expense

2.99%Q2 ’243.04%Q2 ’252.91%Q2 ’26+1%-36%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.75%0.57%0.62%0.68%0.68%2.35%1.77%+116 bps
Return on Equity8.51%8.37%6.29%6.76%7.35%7.24%24.32%18.27%+1,150 bps
Net Interest Margin3.86%3.87%3.79%3.81%3.79%3.90%4.08%4.22%+41 bps
Efficiency Ratio72.12%72.00%73.72%72.25%72.16%71.39%46.51%53.21%-1,904 bps
Non-Interest Burden2.73%2.73%2.74%2.68%2.66%2.70%0.92%1.73%-95 bps
Growth
Asset Growth (YoY)1.99%2.52%2.86%5.74%5.08%2.39%2.34%0.87%-487 bps
Loan Growth (YoY)17.26%16.39%12.87%8.93%8.02%2.57%-1.41%2.58%-635 bps
Deposit Growth (YoY)1.45%-0.73%3.34%7.04%7.56%10.77%3.77%1.21%-583 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.74%0.65%0.61%0.74%0.50%0.49%0.44%-18 bps
Net Charge-Offs / Loans0.05%0.09%0.02%0.00%0.05%0.08%-0.02%-0.01%0 bps
Allowance / Loans1.18%1.13%1.25%1.38%1.37%1.42%1.50%1.49%+11 bps
Allowance Coverage of NPLs2.3x1.5x1.9x2.2x1.9x2.9x3.1x3.4x+1.2x
Capital
Tier 1 Leverage Ratio8.69%8.75%8.74%8.82%8.88%9.17%8.78%9.30%+48 bps
Total Risk-Based Capital11.82%11.55%12.12%12.69%12.99%12.90%13.49%13.10%+41 bps
Equity / Assets9.38%8.96%9.19%9.29%9.68%9.78%9.51%9.84%+55 bps
Liquidity & Funding
Loans / Deposits82.10%89.53%82.33%80.33%82.45%82.90%78.22%81.42%+109 bps
Liquid Assets / Assets8.48%8.20%8.38%11.44%9.46%9.84%14.52%10.75%-70 bps
CRE / Total Capitaln/an/an/an/a268%264%264%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 the Plains

Plains, KS · Cert 18118 · Peer group: banks under $1B in assets in KS (n=98) · Plains Bancshares Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$445.6MAssets
$317.9MLoans
$390.5MDeposits
$43.8MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 90% of banks under $1B in assets in KS (rank 10 of 98).
  • Widest gap: tier 1 capital ratio trails 74% of banks under $1B in assets in KS (rank 73 of 98).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.77%

Rank 10 of 98

Net Interest Margin

4.22%

Rank 18 of 98

Efficiency Ratio

54.38%

Rank 34 of 98

Equity / Assets

9.84%

Rank 59 of 98

Non-interest income vs. expense

$5.2M$12.9MINCOMEEXPENSE
Unfavorable gap of $7.7M · efficiency ratio beats 66% of banks under $1B in assets in KS
Bank 54.38%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.77%1.03%1.24%1.54%Beats 90%10 / 98
Return on Equity18.03%8.85%11.58%14.73%Beats 90%10 / 98
Net Interest Margin4.22%3.24%3.62%3.91%Beats 82%18 / 98
Efficiency Ratio54.38%51.87%58.88%64.74%Beats 66%34 / 98
Asset Quality
Nonperforming Loans / Loans0.44%0.01%0.33%1.05%Beats 44%56 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 54%46 / 98
Capital
Tier 1 Capital Ratio11.85%11.81%13.71%17.33%Beats 26%73 / 98
Total Risk-Based Capital Ratio13.10%11.81%14.13%17.45%Beats 40%59 / 98
Equity / Assets9.84%8.60%11.34%13.10%Beats 40%59 / 98
Liquidity & Funding
Loans / Deposits81.42%57.09%69.84%82.47%73rd pctl26 / 98
Loans / Assets71.35%49.34%58.31%68.94%84th pctl16 / 98
Brokered Deposits / Depositsn/aNot reported for this institution