PackageTrendsPeer
Letter portraitLegal landscape

Bank of Protection, The

Protection, KS · Cert 23099 · Protection Bk Holding Co. Inc.

State charter, non-member · FDIC · 5 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

11

Q2 2024Q2 2026peer median

Efficiency

63

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

Bank of Protection, The

Protection, KS · Cert 23099 · Protection Bk Holding Co. Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$154.4MAssets
$108.5MLoans
$122.0MDeposits
$17.5MEquity
Loan mix
80%RE $35.5M12%C&I $5.5M8%Consumer $3.5MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $89.4M27%Noninterest $32.5MQ2 2025Q2 2026

NIM

5.65%Q2 ’246.01%Q2 ’255.72%Q2 ’26+7%+5%

Non-interest income vs. expense

1.90%Q2 ’241.98%Q2 ’252.38%Q2 ’26+7%+27%

Executive Summary

  • Earnings: ROA of 1.60%, down 15 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.01% of loans (-6 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.81%, down 382 bps from a year ago.
  • Funding: loans stand at 88.98% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.60%-15 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+21 bps YoY

Efficiency Ratio (YTD, annualized)

47.67%+47 bps YoY

Tier 1 Leverage Ratio

11.81%-382 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.75%1.64%1.56%1.53%1.60%-15 bps
Return on Equity13.38%12.09%12.00%13.23%13.90%+52 bps
Net Interest Margin3.93%3.90%3.07%4.23%4.14%+21 bps
Efficiency Ratio47.20%50.16%53.39%48.77%47.67%+47 bps
Non-Interest Burden1.71%1.80%1.52%2.36%2.18%+46 bps
Growth
Asset Growth (YoY)3.34%0.18%47.81%55.19%56.79%+5,345 bps
Loan Growth (YoY)6.58%5.19%58.91%69.97%69.50%+6,292 bps
Deposit Growth (YoY)5.57%9.20%53.42%52.68%58.37%+5,280 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.10%0.06%0.23%0.01%-6 bps
Net Charge-Offs / Loans0.05%0.04%0.02%0.00%0.00%-5 bps
Allowance / Loans1.09%1.29%0.99%0.89%0.91%-18 bps
Allowance Coverage of NPLs15.8x12.4x16.8x3.9x123.1x+107.3x
Capital
Tier 1 Leverage Ratio15.63%15.93%12.24%11.79%11.81%-382 bps
Total Risk-Based Capital15.63%15.93%12.24%14.62%11.81%-382 bps
Equity / Assets13.43%15.13%11.59%11.60%11.34%-209 bps
Liquidity & Funding
Loans / Deposits83.14%75.56%83.30%87.90%88.98%+584 bps
Liquid Assets / Assets0.25%0.27%0.34%0.33%0.16%-9 bps
CRE / Total Capitaln/a3.89%4.83%5.77%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

Bank of Protection, The

Protection, KS · Cert 23099 · Peer group: banks under $1B in assets in KS (n=98) · Protection Bk Holding Co. Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$154.4MAssets
$108.5MLoans
$122.0MDeposits
$17.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 80% of banks under $1B in assets in KS (rank 20 of 98).
  • Widest gap: total risk-based capital ratio trails 76% of banks under $1B in assets in KS (rank 74 of 98).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.56%

Rank 23 of 98

Net Interest Margin

4.14%

Rank 20 of 98

Efficiency Ratio

55.23%

Rank 37 of 98

Equity / Assets

11.34%

Rank 49 of 98

Non-interest income vs. expense

$0.3M$3.7MINCOMEEXPENSE
Unfavorable gap of $3.3M · efficiency ratio beats 63% of banks under $1B in assets in KS
Bank 55.23%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.56%1.03%1.24%1.54%Beats 77%23 / 98
Return on Equity13.72%8.85%11.58%14.73%Beats 71%28 / 98
Net Interest Margin4.14%3.24%3.62%3.91%Beats 80%20 / 98
Efficiency Ratio55.23%51.87%58.88%64.74%Beats 63%37 / 98
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.33%1.05%Beats 79%22 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 59%42 / 98
Capital
Tier 1 Capital Ratio11.81%11.81%13.71%17.33%Beats 24%74 / 98
Total Risk-Based Capital Ratio11.81%11.81%14.13%17.45%Beats 24%74 / 98
Equity / Assets11.34%8.60%11.34%13.10%Beats 50%49 / 98
Liquidity & Funding
Loans / Deposits88.98%57.09%69.84%82.47%86th pctl14 / 98
Loans / Assets70.26%49.34%58.31%68.94%78th pctl22 / 98
Brokered Deposits / Depositsn/aNot reported for this institution