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Farmers State Bank of Aliceville, Kansas, The

Westphalia, KS · Cert 18120

State charter, non-member · FDIC · 3 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

85

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

22

Q2 2024Q2 2026peer median

Efficiency

89

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

Farmers State Bank of Aliceville, Kansas, The

Westphalia, KS · Cert 18120

State charter, non-member · FDIC · 3 branches

Q2 2026

$179.6MAssets
$124.4MLoans
$143.7MDeposits
$35.0MEquity
Loan mix
85%RE $77.0M7%C&I $6.6M7%Consumer $6.7MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $120.5M16%Noninterest $23.2MQ2 2025Q2 2026

NIM

6.44%Q2 ’246.10%Q2 ’255.68%Q2 ’26-5%-6%

Non-interest income vs. expense

3.23%Q2 ’241.71%Q2 ’251.94%Q2 ’26-48%+9%

Executive Summary

  • Earnings: ROA of 1.63%, down 48 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 1.05% of loans (+9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 19.24%, down 25 bps from a year ago.
  • Funding: loans stand at 86.57% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.63%-48 bps YoY

Net Interest Margin (YTD, annualized)

3.98%-24 bps YoY

Efficiency Ratio (YTD, annualized)

47.28%+729 bps YoY

Tier 1 Leverage Ratio

19.24%-25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.11%1.15%0.86%2.23%1.63%-48 bps
Return on Equity11.00%5.97%4.46%11.66%8.48%-252 bps
Net Interest Margin4.23%4.21%4.09%3.97%3.98%-24 bps
Efficiency Ratio39.99%68.04%75.39%28.68%47.28%+729 bps
Non-Interest Burden1.66%2.84%3.06%1.09%1.81%+15 bps
Growth
Asset Growth (YoY)2.89%3.65%4.38%3.45%4.93%+204 bps
Loan Growth (YoY)-0.41%4.63%2.39%0.86%-1.57%-116 bps
Deposit Growth (YoY)4.71%3.62%4.54%3.09%5.34%+63 bps
Asset Quality
Nonperforming Loans / Loans0.96%0.81%0.22%1.03%1.05%+9 bps
Net Charge-Offs / Loans0.05%0.03%0.05%0.00%0.00%-5 bps
Allowance / Loans1.48%1.53%1.52%1.50%1.52%+4 bps
Allowance Coverage of NPLs1.5x1.9x6.9x1.5x1.4x-0.1x
Capital
Tier 1 Leverage Ratio19.48%19.25%18.67%18.85%19.24%-25 bps
Total Risk-Based Capital19.48%19.25%18.67%18.85%19.24%-25 bps
Equity / Assets19.79%19.62%18.97%19.27%19.49%-30 bps
Liquidity & Funding
Loans / Deposits92.65%89.31%87.20%87.80%86.57%-608 bps
Liquid Assets / Assets23.17%24.66%27.38%27.41%27.64%+447 bps
CRE / Total Capitaln/a35.08%26.32%31.41%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

Farmers State Bank of Aliceville, Kansas, The

Westphalia, KS · Cert 18120 · Peer group: banks under $1B in assets in KS (n=98)

State charter, non-member · FDIC · 3 branches

Q2 2026

$179.6MAssets
$124.4MLoans
$143.7MDeposits
$35.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: return on equity trails 77% of banks under $1B in assets in KS (rank 75 of 98).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.62%

Rank 19 of 98

Net Interest Margin

3.98%

Rank 24 of 98

Efficiency Ratio

47.28%

Rank 12 of 98

Equity / Assets

19.49%

Rank 8 of 98

Non-interest income vs. expense

$0.2M$3.5MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 89% of banks under $1B in assets in KS
Bank 47.28%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.62%1.03%1.24%1.54%Beats 81%19 / 98
Return on Equity8.32%8.85%11.58%14.73%Beats 23%75 / 98
Net Interest Margin3.98%3.24%3.62%3.91%Beats 76%24 / 98
Efficiency Ratio47.28%51.87%58.88%64.74%Beats 89%12 / 98
Asset Quality
Nonperforming Loans / Loans1.05%0.01%0.33%1.05%Beats 26%74 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio19.24%11.81%13.71%17.33%Beats 83%17 / 98
Total Risk-Based Capital Ratio19.24%11.81%14.13%17.45%Beats 79%21 / 98
Equity / Assets19.49%8.60%11.34%13.10%Beats 92%8 / 98
Liquidity & Funding
Loans / Deposits86.57%57.09%69.84%82.47%81st pctl19 / 98
Loans / Assets69.29%49.34%58.31%68.94%77th pctl23 / 98
Brokered Deposits / Depositsn/aNot reported for this institution