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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 $4.0MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $277.4M6%Noninterest $17.7MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.36%1.18%1.29%1.32%-4 bps
Return on Equity12.10%11.90%10.23%10.93%11.15%-95 bps
Net Interest Margin2.90%2.85%2.64%3.25%3.18%+28 bps
Efficiency Ratio45.98%44.93%54.22%51.03%50.74%+476 bps
Non-Interest Burden1.31%1.23%1.41%1.69%1.66%+35 bps
Growth
Asset Growth (YoY)9.45%33.20%23.02%29.36%30.72%+2,127 bps
Loan Growth (YoY)9.08%27.37%12.85%22.21%22.83%+1,375 bps
Deposit Growth (YoY)7.43%45.14%41.26%43.98%39.49%+3,206 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.81%0.16%0.60%0.01%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.02%0.03%+3 bps
Allowance / Loans1.06%0.90%0.91%0.86%0.85%-21 bps
Allowance Coverage of NPLsn/a1.1x5.8x1.4x75.4xn/a
Capital
Tier 1 Leverage Ratio12.52%13.38%11.30%11.95%11.61%-90 bps
Total Risk-Based Capital14.40%13.35%13.54%13.28%13.71%-68 bps
Equity / Assets11.52%11.97%11.98%11.63%11.83%+31 bps
Liquidity & Funding
Loans / Deposits102.23%91.80%88.76%88.75%90.02%-1,221 bps
Liquid Assets / Assets0.52%0.92%0.17%0.55%0.15%-37 bps
CRE / Total Capitaln/a236%245%226%n/an/a