Security State Bank

Scott City, KS · Cert 18374 · Security Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

Asset Quality

Profitability

Liquidity

Efficiency

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.

Security State Bank

Scott City, KS · Cert 18374 · Security Bancshares Inc.

State charter, non-member · FDIC · 2 affiliate banks · 5 branches (12 in holding)

Q2 2026

$1.0BAssets

$761.0MLoans

$727.9MDeposits

$111.5MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 1.39%, up 34 bps year over year; NIM at 3.33%.
Asset quality: problem loans at 0.26% of loans (-1 bps YoY), with net charge-offs at 0.11%.
Capital: tier 1 leverage ratio of 10.23%, up 44 bps from a year ago.
Funding: loans stand at 104.56% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.39%+34 bps YoY

Net Interest Margin (YTD, annualized)

3.33%+25 bps YoY

Efficiency Ratio (YTD, annualized)

46.76%-16 bps YoY

Tier 1 Leverage Ratio

10.23%+44 bps YoY

NIM

Non-interest income vs. expense

Year to date, annualized, through each quarter.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.80%	0.82%	0.98%	1.05%	1.15%	1.23%	1.39%	1.39%	+34 bps
Return on Equity	7.31%	7.57%	9.59%	10.16%	11.00%	11.68%	12.84%	12.89%	+273 bps
Net Interest Margin	2.33%	2.45%	3.09%	3.09%	3.15%	3.14%	3.34%	3.33%	+25 bps
Efficiency Ratio	51.82%	51.71%	49.87%	46.92%	46.03%	46.91%	46.35%	46.76%	-16 bps
Non-Interest Burden	1.15%	1.21%	1.50%	1.40%	1.40%	1.43%	1.50%	1.51%	+11 bps
Growth
Asset Growth (YoY)	94.18%	90.51%	94.77%	10.90%	10.06%	7.46%	2.94%	7.09%	-381 bps
Loan Growth (YoY)	92.04%	92.91%	86.91%	14.87%	11.99%	6.86%	1.09%	1.58%	-1,329 bps
Deposit Growth (YoY)	112.11%	107.76%	129.84%	21.03%	16.80%	15.47%	-4.86%	-6.22%	-2,726 bps
Asset Quality
Nonperforming Loans / Loans	0.14%	0.03%	0.03%	0.27%	0.27%	0.27%	0.28%	0.26%	-1 bps
Net Charge-Offs / Loans	0.00%	0.01%	0.26%	0.13%	0.14%	0.11%	0.13%	0.11%	-1 bps
Allowance / Loans	0.90%	0.96%	0.88%	0.96%	0.96%	0.97%	0.97%	0.97%	+1 bps
Allowance Coverage of NPLs	6.5x	37.0x	26.7x	3.6x	3.5x	3.6x	3.4x	3.8x	+0.2x
Capital
Tier 1 Leverage Ratio	10.07%	9.61%	9.93%	9.79%	10.15%	10.03%	10.21%	10.23%	+44 bps
Total Risk-Based Capital	12.31%	11.89%	12.78%	12.21%	12.47%	12.44%	12.84%	12.84%	+62 bps
Equity / Assets	10.94%	10.25%	10.26%	10.57%	10.85%	10.76%	10.87%	10.78%	+21 bps
Liquidity & Funding
Loans / Deposits	103.47%	103.45%	96.66%	96.53%	99.21%	95.74%	102.70%	104.56%	+803 bps
Liquid Assets / Assets	1.54%	1.35%	1.29%	1.05%	1.00%	0.95%	0.95%	1.05%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	173.52%	182.79%	187.31%	n/a	n/a

Security State Bank

Scott City, KS · Cert 18374 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Security Bancshares Inc.

State charter, non-member · FDIC · 2 affiliate banks · 5 branches (12 in holding)

Q2 2026

$1.0BAssets

$761.0MLoans

$727.9MDeposits

$111.5MEquity

Executive Summary

Strongest standing: efficiency ratio outperforms 79% of banks $1B-$10B in assets operating in a single state (rank 54 of 257).
Widest gap: net charge-offs / loans trails 74% of banks $1B-$10B in assets operating in a single state (rank 194 of 258).
Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.37%

Rank 92 of 258

Net Interest Margin

3.33%

Rank 162 of 258

Efficiency Ratio

50.44%

Rank 54 of 257

Equity / Assets

10.78%

Rank 106 of 258

Non-interest income vs. expense

Unfavorable gap of $15.5M · efficiency ratio beats 79% of banks $1B-$10B in assets operating in a single state

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	1.37%	0.93%	1.23%	1.54%	Beats 64%	92 / 258	n/a
Return on Equity	12.67%	9.26%	11.84%	14.74%	Beats 59%	107 / 258	n/a
Net Interest Margin	3.33%	3.16%	3.49%	3.88%	Beats 37%	162 / 258	n/a
Efficiency Ratio	50.44%	51.71%	60.30%	69.65%	Beats 79%	54 / 257	n/a
Asset Quality
Nonperforming Loans / Loans	0.26%	0.19%	0.46%	0.90%	Beats 67%	87 / 258	n/a
Net Charge-Offs / Loans	0.07%	0.01%	0.02%	0.07%	Beats 26%	194 / 258	n/a
Capital
Tier 1 Capital Ratio	11.96%	11.41%	12.98%	15.12%	Beats 32%	176 / 258	n/a
Total Risk-Based Capital Ratio	12.84%	12.10%	13.91%	16.08%	Beats 35%	168 / 258	n/a
Equity / Assets	10.78%	9.09%	10.24%	11.72%	Beats 59%	106 / 258	n/a
Liquidity & Funding
Loans / Deposits	104.56%	73.24%	86.34%	95.95%	91st pctl	23 / 258	n/a
Loans / Assets	73.61%	63.01%	72.27%	78.40%	55th pctl	117 / 258	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution