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KS Statebank

Manhattan, KS · Cert 19899 · Manhattan Banking Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=176). 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

60

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

97

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

KS Statebank

Manhattan, KS · Cert 19899 · Manhattan Banking Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

$2.6BAssets
$2.0BLoans
$2.2BDeposits
$342.1MEquity
Loan mix
83%RE $1.4B16%C&I $0.3B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $2.0B10%Noninterest $0.2BQ2 2025Q2 2026

NIM

5.56%Q2 ’245.77%Q2 ’256.07%Q2 ’26+14%+14%

Non-interest income vs. expense

1.38%Q2 ’241.20%Q2 ’251.35%Q2 ’26-11%+10%

Market Position · Manhattan, KS · 2026 SOD (annual) · 29.0% share · #1 of 22 inst. · $1.3B of $4.5B

43.3% Riley
0.3% Maricopa
1.1% Sedgwick
6.7% Geary

Executive Summary

  • Earnings: ROA of 1.57%, up 23 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 2.49% of loans (+133 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 12.97%, up 134 bps from a year ago.
  • Funding: loans stand at 94.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.57%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+41 bps YoY

Efficiency Ratio (YTD, annualized)

38.79%-91 bps YoY

Tier 1 Leverage Ratio

12.97%+134 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.30%1.37%1.50%1.57%+23 bps
Return on Equity11.06%10.75%11.30%11.87%12.29%+123 bps
Net Interest Margin2.91%2.88%3.05%3.27%3.32%+41 bps
Efficiency Ratio39.70%41.51%39.41%39.42%38.79%-91 bps
Non-Interest Burden1.08%1.12%1.13%1.18%1.19%+11 bps
Growth
Asset Growth (YoY)8.96%9.09%6.50%-2.33%-1.67%-1,063 bps
Loan Growth (YoY)3.65%3.46%2.56%-0.71%0.66%-299 bps
Deposit Growth (YoY)11.08%11.53%8.50%-3.49%-2.74%-1,383 bps
Asset Quality
Nonperforming Loans / Loans1.17%2.55%2.26%2.39%2.49%+133 bps
Net Charge-Offs / Loans-0.02%-0.01%0.02%0.01%0.03%+5 bps
Allowance / Loans1.86%1.88%1.88%1.95%1.92%+6 bps
Allowance Coverage of NPLs1.6x0.7x0.8x0.8x0.8x-0.8x
Capital
Tier 1 Leverage Ratio11.62%11.75%12.41%12.73%12.97%+134 bps
Total Risk-Based Capital11.62%11.75%12.41%12.73%12.97%+134 bps
Equity / Assets11.80%11.87%12.37%12.89%13.17%+137 bps
Liquidity & Funding
Loans / Deposits91.36%90.72%92.96%93.87%94.56%+320 bps
Liquid Assets / Assets6.20%7.56%5.32%4.41%3.64%-256 bps
CRE / Total Capitaln/a298%294%284%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

KS Statebank

Manhattan, KS · Cert 19899 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Manhattan Banking Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

$2.6BAssets
$2.0BLoans
$2.2BDeposits
$342.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 97% of banks $1B-$10B in assets operating regionally (rank 7 of 176).
  • Widest gap: nonperforming loans / loans trails 95% of banks $1B-$10B in assets operating regionally (rank 169 of 176).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.58%

Rank 40 of 176

Net Interest Margin

3.32%

Rank 126 of 176

Efficiency Ratio

38.79%

Rank 7 of 176

Equity / Assets

13.17%

Rank 21 of 176

Non-interest income vs. expense

$4.0M$35.0MINCOMEEXPENSE
Unfavorable gap of $31.0M · efficiency ratio beats 97% of banks $1B-$10B in assets operating regionally
Bank 38.79%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.58%0.93%1.26%1.54%Beats 77%40 / 176
Return on Equity12.00%9.26%11.89%14.46%Beats 51%87 / 176
Net Interest Margin3.32%3.25%3.59%3.93%Beats 28%126 / 176
Efficiency Ratio38.79%52.79%59.55%67.66%Beats 97%7 / 176
Asset Quality
Nonperforming Loans / Loans2.49%0.30%0.64%1.32%Beats 5%169 / 176
Net Charge-Offs / Loans0.03%0.01%0.04%0.10%Beats 60%72 / 176
Capital
Tier 1 Capital Ratio12.97%11.15%12.72%14.15%Beats 53%82 / 176
Total Risk-Based Capital Ratio12.97%11.81%13.63%15.33%Beats 40%106 / 176
Equity / Assets13.17%9.16%10.35%11.80%Beats 88%21 / 176
Liquidity & Funding
Loans / Deposits94.56%80.94%89.73%97.21%68th pctl57 / 176
Loans / Assets78.93%69.25%75.12%80.82%67th pctl58 / 176
Brokered Deposits / Depositsn/aNot reported for this institution