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First Bank Kansas

Salina, KS · Cert 18431 · Ottawa Bancshares Inc.

State charter, non-member · FDIC · 2 affiliate banks · 8 branches (14 in holding)

Q2 2026

$618.5MAssets
$420.1MLoans
$561.6MDeposits
$49.0MEquity
Loan mix
88%RE $324.9M7%C&I $26.3M5%Consumer $17.0MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $443.7M21%Noninterest $117.9MQ2 2025Q2 2026

NIM

4.69%Q2 ’245.21%Q2 ’255.56%Q2 ’26+13%+12%

Non-interest income vs. expense

3.57%Q2 ’243.54%Q2 ’253.48%Q2 ’26+95%-7%

Executive Summary

  • Earnings: ROA of 3.12%, up 138 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 0.04% of loans (+2 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.83%, up 54 bps from a year ago.
  • Funding: loans stand at 74.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

3.12%+138 bps YoY

Net Interest Margin (YTD, annualized)

4.49%+49 bps YoY

Efficiency Ratio (YTD, annualized)

54.26%-618 bps YoY

Tier 1 Leverage Ratio

8.83%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.74%1.71%1.90%2.12%3.12%+138 bps
Return on Equity25.99%25.01%27.34%28.72%41.27%+1,528 bps
Net Interest Margin4.00%4.05%4.04%4.42%4.49%+49 bps
Efficiency Ratio60.44%60.86%58.46%56.43%54.26%-618 bps
Non-Interest Burden1.68%1.74%1.55%1.66%1.56%-12 bps
Growth
Asset Growth (YoY)4.15%6.31%4.51%6.39%7.81%+366 bps
Loan Growth (YoY)8.73%12.28%12.23%13.68%12.27%+355 bps
Deposit Growth (YoY)4.18%6.31%3.55%6.57%7.57%+338 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.04%0.49%0.59%0.04%+2 bps
Net Charge-Offs / Loans0.02%0.02%0.01%0.03%0.01%-1 bps
Allowance / Loans1.37%1.42%1.45%1.46%1.48%+11 bps
Allowance Coverage of NPLs56.9x37.6x3.0x2.5x35.8x-21.2x
Capital
Tier 1 Leverage Ratio8.29%8.20%8.09%8.26%8.83%+54 bps
Total Risk-Based Capital13.96%13.72%13.50%13.47%14.14%+17 bps
Equity / Assets6.94%7.29%7.35%7.38%7.92%+98 bps
Liquidity & Funding
Loans / Deposits71.67%72.68%73.59%73.34%74.80%+314 bps
Liquid Assets / Assets2.12%2.75%3.06%3.53%2.89%+77 bps
CRE / Total Capitaln/a235%249%257%n/an/a