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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 $3.6MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $326.3M16%Noninterest $64.2MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.68%0.68%2.35%1.77%+116 bps
Return on Equity6.76%7.35%7.24%24.32%18.27%+1,150 bps
Net Interest Margin3.81%3.79%3.90%4.08%4.22%+41 bps
Efficiency Ratio72.25%72.16%71.39%46.51%53.21%-1,904 bps
Non-Interest Burden2.68%2.66%2.70%0.92%1.73%-95 bps
Growth
Asset Growth (YoY)5.74%5.08%2.39%2.34%0.87%-487 bps
Loan Growth (YoY)8.93%8.02%2.57%-1.41%2.58%-635 bps
Deposit Growth (YoY)7.04%7.56%10.77%3.77%1.21%-583 bps
Asset Quality
Nonperforming Loans / Loans0.61%0.74%0.50%0.49%0.44%-18 bps
Net Charge-Offs / Loans0.00%0.05%0.08%-0.02%-0.01%0 bps
Allowance / Loans1.38%1.37%1.42%1.50%1.49%+11 bps
Allowance Coverage of NPLs2.2x1.9x2.9x3.1x3.4x+1.2x
Capital
Tier 1 Leverage Ratio8.82%8.88%9.17%8.78%9.30%+48 bps
Total Risk-Based Capital12.69%12.99%12.90%13.49%13.10%+41 bps
Equity / Assets9.29%9.68%9.78%9.51%9.84%+55 bps
Liquidity & Funding
Loans / Deposits80.33%82.45%82.90%78.22%81.42%+109 bps
Liquid Assets / Assets11.44%9.46%9.84%14.52%10.75%-70 bps
CRE / Total Capitaln/a268%264%264%n/an/a