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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

4.81%Q2 ’245.27%Q2 ’255.70%Q2 ’26+13%+13%

Non-interest income vs. expense

3.62%Q2 ’243.53%Q2 ’253.43%Q2 ’26+1375%-11%

Executive Summary

  • Earnings: ROA of 4.09%, up 228 bps year over year; NIM at 4.63%.
  • Asset quality: problem loans at 0.04% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

4.09%+228 bps YoY

Net Interest Margin (quarter, annualized)

4.63%+55 bps YoY

Efficiency Ratio (quarter, annualized)

52.21%-714 bps YoY

Tier 1 Leverage Ratio

8.83%+54 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.81%1.67%2.44%2.12%4.09%+228 bps
Return on Equity26.43%23.39%33.27%28.72%53.45%+2,702 bps
Net Interest Margin4.08%4.19%4.38%4.42%4.63%+55 bps
Efficiency Ratio59.35%61.65%52.47%56.43%52.21%-714 bps
Non-Interest Burden1.67%1.88%1.12%1.66%1.49%-18 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 / Loans0.05%0.01%0.00%0.03%0.00%-5 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