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Stryv Bank

Wichita, KS · Cert 21955 · Chisholm Trail Financial Corp.

State charter, Fed member · FED · 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 the Wichita, KS area3

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 the Wichita, KS area (n=20). 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

18

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

5

Q2 2024Q2 2026peer median

Efficiency

45

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

Stryv Bank

Wichita, KS · Cert 21955 · Chisholm Trail Financial Corp.

State charter, Fed member · FED · 2 branches

Q2 2026

$333.3MAssets
$288.4MLoans
$297.0MDeposits
$28.7MEquity
Loan mix
87%RE $219.3M6%C&I $14.8M7%Consumer $18.7MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $253.7M15%Noninterest $43.2MQ2 2025Q2 2026

NIM

5.92%Q2 ’246.26%Q2 ’256.07%Q2 ’26+12%-6%

Non-interest income vs. expense

2.58%Q2 ’242.89%Q2 ’252.60%Q2 ’26+13%-10%

Market Position · Wichita, KS · 2026 SOD (annual) · 1.3% share · #12 of 46 inst. · $0.3B of $23.2B

Executive Summary

  • Earnings: ROA of 0.89%, up 4 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.91%, down 46 bps from a year ago.
  • Funding: loans stand at 97.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.78%-24 bps YoY

Efficiency Ratio (YTD, annualized)

67.21%-310 bps YoY

Tier 1 Leverage Ratio

8.91%-46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.83%0.84%0.88%0.89%+4 bps
Return on Equity9.29%9.25%9.49%10.03%10.21%+92 bps
Net Interest Margin4.02%3.91%3.84%4.03%3.78%-24 bps
Efficiency Ratio70.32%70.50%70.05%67.73%67.21%-310 bps
Non-Interest Burden2.79%2.73%2.66%2.70%2.51%-28 bps
Growth
Asset Growth (YoY)9.46%15.92%22.15%24.28%29.14%+1,968 bps
Loan Growth (YoY)15.83%18.71%20.72%29.82%28.33%+1,250 bps
Deposit Growth (YoY)7.61%15.01%21.56%24.84%30.18%+2,257 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.95%0.96%1.01%0.97%0.97%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.37%9.08%8.79%9.67%8.91%-46 bps
Total Risk-Based Capital11.66%10.98%10.83%11.44%10.94%-72 bps
Equity / Assets8.85%8.52%8.42%9.13%8.61%-24 bps
Liquidity & Funding
Loans / Deposits98.53%95.87%95.23%99.12%97.13%-140 bps
Liquid Assets / Assets1.93%1.78%1.37%1.40%1.29%-64 bps
CRE / Total Capitaln/a572%581%527%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

Stryv Bank

Wichita, KS · Cert 21955 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · Chisholm Trail Financial Corp.

State charter, Fed member · FED · 2 branches

Q2 2026

$333.3MAssets
$288.4MLoans
$297.0MDeposits
$28.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Wichita, KS area (rank 2 of 20).
  • Widest gap: tier 1 capital ratio trails 95% of banks under $1B in assets in the Wichita, KS area (rank 19 of 20).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.83%

Rank 14 of 20

Net Interest Margin

3.78%

Rank 14 of 20

Efficiency Ratio

67.21%

Rank 12 of 20

Equity / Assets

8.61%

Rank 12 of 20

Non-interest income vs. expense

$0.3M$8.5MINCOMEEXPENSE
Unfavorable gap of $8.2M · efficiency ratio beats 45% of banks under $1B in assets in the Wichita, KS area
Bank 67.21%Peer median 65.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.83%0.80%1.20%1.35%Beats 30%14 / 20
Return on Equity9.66%9.43%12.85%15.78%Beats 30%14 / 20
Net Interest Margin3.78%3.71%4.04%4.23%Beats 30%14 / 20
Efficiency Ratio67.21%59.34%65.86%71.92%Beats 45%12 / 20
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.64%1.17%Beats 100%2 / 20
Net Charge-Offs / Loans0.00%n/a0.02%0.09%Beats 100%7 / 20
Capital
Tier 1 Capital Ratio9.96%11.10%11.73%15.56%Beats 5%19 / 20
Total Risk-Based Capital Ratio10.94%11.80%12.57%16.49%Beats 10%18 / 20
Equity / Assets8.61%8.39%8.81%11.24%Beats 40%12 / 20
Liquidity & Funding
Loans / Deposits97.13%62.67%77.26%93.25%85th pctl3 / 20
Loans / Assets86.53%54.38%67.74%81.71%95th pctl1 / 20
Brokered Deposits / Depositsn/aNot reported for this institution