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Farmers State Bank of Oakley, Kansas, The

Oakley, KS · Cert 1867 · Security Bancshares Inc.

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 in KS3

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 in KS (n=98). 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

51

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

7

Q2 2024Q2 2026peer median

Efficiency

71

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

Farmers State Bank of Oakley, Kansas, The

Oakley, KS · Cert 1867 · Security Bancshares Inc.

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

Q2 2026

$396.1MAssets
$265.7MLoans
$295.1MDeposits
$46.9MEquity
Loan mix
84%RE $155.9M14%C&I $25.5M2%Consumer $4.0MQ3 2024Q2 2026
Deposit mix
94%Interest-bearing $277.4M6%Noninterest $17.7MQ3 2024Q2 2026

Market Position · Lawrence, KS · 2026 SOD (annual) · 2.0% share · #10 of 22 inst. · $0.1B of $3.6B

72.2% Logan
2.0% Douglas

Executive Summary

  • Earnings: ROA of 1.32%, down 4 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.01% of loans (+1 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 11.61%, down 90 bps from a year ago.
  • Funding: loans stand at 90.02% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.32%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+28 bps YoY

Efficiency Ratio (YTD, annualized)

50.74%+476 bps YoY

Tier 1 Leverage Ratio

11.61%-90 bps YoY

NIM

5.87%Q2 ’245.71%Q2 ’255.54%Q2 ’26-3%+10%

Non-interest income vs. expense

1.43%Q2 ’241.35%Q2 ’251.76%Q2 ’26-2%+26%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.32%1.27%1.36%1.36%1.18%1.29%1.32%-4 bps
Return on Equity11.77%11.60%11.45%12.10%11.90%10.23%10.93%11.15%-95 bps
Net Interest Margin2.90%2.81%2.89%2.90%2.85%2.64%3.25%3.18%+28 bps
Efficiency Ratio46.25%47.53%48.02%45.98%44.93%54.22%51.03%50.74%+476 bps
Non-Interest Burden1.30%1.28%1.38%1.31%1.23%1.41%1.69%1.66%+35 bps
Growth
Asset Growth (YoY)9.48%11.56%9.51%9.45%33.20%23.02%29.36%30.72%+2,127 bps
Loan Growth (YoY)6.16%12.84%10.00%9.08%27.37%12.85%22.21%22.83%+1,375 bps
Deposit Growth (YoY)6.72%1.80%6.13%7.43%45.14%41.26%43.98%39.49%+3,206 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.02%0.00%0.00%0.81%0.16%0.60%0.01%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.02%0.03%+3 bps
Allowance / Loans1.05%1.02%1.06%1.06%0.90%0.91%0.86%0.85%-21 bps
Allowance Coverage of NPLs5.9x44.2x460.0xn/a1.1x5.8x1.4x75.4xn/a
Capital
Tier 1 Leverage Ratio12.97%12.32%12.30%12.52%13.38%11.30%11.95%11.61%-90 bps
Total Risk-Based Capital13.85%13.87%13.84%14.40%13.35%13.54%13.28%13.71%-68 bps
Equity / Assets12.11%10.80%11.35%11.52%11.97%11.98%11.63%11.83%+31 bps
Liquidity & Funding
Loans / Deposits104.60%111.11%104.56%102.23%91.80%88.76%88.75%90.02%-1,221 bps
Liquid Assets / Assets1.10%0.44%0.49%0.52%0.92%0.17%0.55%0.15%-37 bps
CRE / Total Capitaln/an/an/an/a236%245%226%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

Farmers State Bank of Oakley, Kansas, The

Oakley, KS · Cert 1867 · Peer group: banks under $1B in assets in KS (n=98) · Security Bancshares Inc.

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

Q2 2026

$396.1MAssets
$265.7MLoans
$295.1MDeposits
$46.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 76% of banks under $1B in assets in KS (rank 25 of 98).
  • Widest gap: net interest margin trails 81% of banks under $1B in assets in KS (rank 79 of 98).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.29%

Rank 45 of 98

Net Interest Margin

3.18%

Rank 79 of 98

Efficiency Ratio

54.06%

Rank 29 of 98

Equity / Assets

11.83%

Rank 41 of 98

Non-interest income vs. expense

$0.4M$7.0MINCOMEEXPENSE
Unfavorable gap of $6.6M · efficiency ratio beats 71% of banks under $1B in assets in KS
Bank 54.06%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.29%1.03%1.24%1.54%Beats 54%45 / 98
Return on Equity10.86%8.85%11.58%14.73%Beats 46%53 / 98
Net Interest Margin3.18%3.24%3.62%3.91%Beats 19%79 / 98
Efficiency Ratio54.06%51.87%58.88%64.74%Beats 71%29 / 98
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.33%1.05%Beats 76%25 / 98
Net Charge-Offs / Loans0.01%n/a0.00%0.03%Beats 33%67 / 98
Capital
Tier 1 Capital Ratio13.07%11.81%13.71%17.33%Beats 46%53 / 98
Total Risk-Based Capital Ratio13.71%11.81%14.13%17.45%Beats 48%51 / 98
Equity / Assets11.83%8.60%11.34%13.10%Beats 58%41 / 98
Liquidity & Funding
Loans / Deposits90.02%57.09%69.84%82.47%87th pctl13 / 98
Loans / Assets67.08%49.34%58.31%68.94%69th pctl30 / 98
Brokered Deposits / Depositsn/aNot reported for this institution