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Stockgrowers State Bank, The

Maple Hill, KS · Cert 18165 · Maple Hill Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$128.3MAssets
$88.1MLoans
$94.9MDeposits
$14.8MEquity
Loan mix
71%RE $50.6M27%C&I $19.3M2%Consumer $1.6MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $78.7M17%Noninterest $16.1MQ3 2024Q2 2026

Market Position · Topeka, KS · 2026 SOD (annual) · 1.3% share · #15 of 30 inst. · $0.1B of $7.1B

46.8% Wabaunsee
0.1% Shawnee

Executive Summary

  • Earnings: ROA of 2.04%, up 41 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.13% of loans (+13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.58%, up 62 bps from a year ago.
  • Funding: loans stand at 92.87% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.04%+41 bps YoY

Net Interest Margin (YTD, annualized)

4.22%+44 bps YoY

Efficiency Ratio (YTD, annualized)

41.20%-637 bps YoY

Tier 1 Leverage Ratio

11.58%+62 bps YoY

NIM

5.39%Q2 ’245.53%Q2 ’255.93%Q2 ’26+11%+11%

Non-interest income vs. expense

1.96%Q2 ’241.87%Q2 ’251.90%Q2 ’26-4%-12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.25%1.60%1.63%1.67%1.62%2.23%2.04%+41 bps
Return on Equity11.63%11.62%14.73%14.89%14.96%14.41%18.83%17.34%+245 bps
Net Interest Margin3.38%3.33%3.89%3.79%4.01%3.98%4.21%4.22%+44 bps
Efficiency Ratio54.10%54.40%47.03%47.57%47.14%48.69%38.87%41.20%-637 bps
Non-Interest Burden1.74%1.73%1.72%1.70%1.79%1.84%1.24%1.49%-21 bps
Growth
Asset Growth (YoY)11.06%9.65%6.29%5.22%2.64%6.90%6.51%6.53%+132 bps
Loan Growth (YoY)15.37%14.54%4.92%6.97%-3.92%5.12%10.52%8.77%+180 bps
Deposit Growth (YoY)12.95%4.26%7.58%7.02%4.58%9.28%2.72%8.77%+174 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.20%0.52%0.13%+13 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.03%0.02%0.03%0.00%0.00%-3 bps
Allowance / Loans1.38%1.44%1.55%1.47%1.59%1.49%1.54%1.51%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/a7.6x3.0x11.4xn/a
Capital
Tier 1 Leverage Ratio11.02%10.84%11.31%10.96%11.77%11.86%12.20%11.58%+62 bps
Total Risk-Based Capital11.02%10.84%11.31%10.96%11.77%11.86%12.20%11.58%+62 bps
Equity / Assets11.05%10.67%11.07%11.05%11.74%11.51%12.24%11.53%+48 bps
Liquidity & Funding
Loans / Deposits95.89%91.93%87.16%92.87%88.10%88.43%93.78%92.87%0 bps
Liquid Assets / Assets5.46%5.18%4.50%4.38%3.86%3.53%4.03%3.92%-46 bps
CRE / Total Capitaln/an/an/an/a64.31%94.45%72.79%n/an/a