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Kansas State Bank

Overbrook, KS · Cert 1865

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets operating in a single state (n=743 to 746). 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

48

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

91

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

Kansas State Bank

Overbrook, KS · Cert 1865

State charter, non-member · FDIC · 2 branches

Q2 2026

$101.2MAssets
$61.2MLoans
$83.9MDeposits
$11.4MEquity
Loan mix
68%RE $27.1M24%C&I $9.6M7%Consumer $2.9MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $67.6M19%Noninterest $16.2MQ2 2025Q2 2026

NIM

5.20%Q2 ’245.53%Q2 ’255.56%Q2 ’26+6%+3%

Non-interest income vs. expense

2.20%Q2 ’242.37%Q2 ’251.87%Q2 ’26+10%-22%

Market Position · Topeka, KS · 2026 SOD (annual) · 1.2% share · #18 of 30 inst. · $0.1B of $7.1B

Executive Summary

  • Earnings: ROA of 1.37%, up 34 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.70% of loans (-13 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 13.17%, down 6 bps from a year ago.
  • Funding: loans stand at 73.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.37%+34 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+10 bps YoY

Efficiency Ratio (YTD, annualized)

46.62%-1,338 bps YoY

Tier 1 Leverage Ratio

13.17%-6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.09%1.15%0.78%1.37%+34 bps
Return on Equity10.07%10.31%10.84%7.20%12.50%+243 bps
Net Interest Margin3.66%3.66%3.60%3.61%3.76%+10 bps
Efficiency Ratio60.00%58.79%58.23%61.60%46.62%-1,338 bps
Non-Interest Burden2.08%2.03%1.98%2.13%1.62%-46 bps
Growth
Asset Growth (YoY)3.14%7.92%10.54%11.27%8.70%+555 bps
Loan Growth (YoY)5.72%7.78%6.93%8.93%8.99%+328 bps
Deposit Growth (YoY)6.24%8.88%11.26%13.03%9.73%+348 bps
Asset Quality
Nonperforming Loans / Loans0.84%0.84%0.86%0.83%0.70%-13 bps
Net Charge-Offs / Loans0.00%-0.01%0.00%0.00%0.11%+11 bps
Allowance / Loans2.95%3.06%3.17%3.06%2.85%-10 bps
Allowance Coverage of NPLs3.5x3.6x3.7x3.7x4.0x+0.5x
Capital
Tier 1 Leverage Ratio13.23%13.31%13.07%12.73%13.17%-6 bps
Total Risk-Based Capital19.81%13.31%13.07%12.73%13.17%-664 bps
Equity / Assets10.64%11.23%11.08%10.63%11.29%+65 bps
Liquidity & Funding
Loans / Deposits73.53%71.63%65.72%66.69%73.03%-49 bps
Liquid Assets / Assets1.35%2.17%2.19%2.36%1.13%-21 bps
CRE / Total Capitaln/a35.40%35.31%38.59%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

Kansas State Bank

Overbrook, KS · Cert 1865 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 2 branches

Q2 2026

$101.2MAssets
$61.2MLoans
$83.9MDeposits
$11.4MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 91% of banks under $1B in assets operating in a single state (rank 67 of 746).
  • Widest gap: net charge-offs / loans trails 76% of banks under $1B in assets operating in a single state (rank 566 of 743).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.37%

Rank 222 of 746

Net Interest Margin

3.76%

Rank 346 of 746

Efficiency Ratio

46.62%

Rank 67 of 746

Equity / Assets

11.29%

Rank 296 of 746

Non-interest income vs. expense

$0.3M$1.9MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 91% of banks under $1B in assets operating in a single state
Bank 46.62%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.37%0.72%1.06%1.45%Beats 70%222 / 746
Return on Equity12.14%6.74%10.51%13.63%Beats 64%266 / 746
Net Interest Margin3.76%3.17%3.68%4.16%Beats 54%346 / 746
Efficiency Ratio46.62%55.74%64.58%75.47%Beats 91%67 / 746
Asset Quality
Nonperforming Loans / Loans0.70%0.09%0.42%1.07%Beats 37%466 / 743
Net Charge-Offs / Loans0.05%0.00%0.01%0.05%Beats 24%566 / 743
Capital
Tier 1 Capital Ratio13.17%11.55%13.75%17.60%Beats 44%419 / 746
Total Risk-Based Capital Ratio13.17%11.71%14.33%18.43%Beats 39%453 / 746
Equity / Assets11.29%8.90%10.51%13.06%Beats 60%296 / 746
Liquidity & Funding
Loans / Deposits73.03%61.31%78.27%90.78%40th pctl445 / 746
Loans / Assets60.51%53.60%66.97%76.08%36th pctl477 / 746
Brokered Deposits / Depositsn/aNot reported for this institution