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Bank, The

Oberlin, KS · Cert 26522 · Decatur Investment Inc.

State charter, non-member · FDIC · 14 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

74

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

93

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, The

Oberlin, KS · Cert 26522 · Decatur Investment Inc.

State charter, non-member · FDIC · 14 branches

Q2 2026

$617.3MAssets
$377.6MLoans
$540.5MDeposits
$75.2MEquity
Loan mix
85%RE $230.3M13%C&I $36.4M2%Consumer $5.4MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $426.5M21%Noninterest $114.1MQ2 2025Q2 2026

NIM

5.03%Q2 ’245.98%Q2 ’255.45%Q2 ’26+32%-11%

Non-interest income vs. expense

1.82%Q2 ’242.23%Q2 ’252.00%Q2 ’26+26%-12%

Executive Summary

  • Earnings: ROA of 1.98%, up 5 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 3.45% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.46%, up 65 bps from a year ago.
  • Funding: loans stand at 69.85% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.98%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.24%-53 bps YoY

Efficiency Ratio (YTD, annualized)

37.89%+105 bps YoY

Tier 1 Leverage Ratio

11.46%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.93%1.97%1.88%1.89%1.98%+5 bps
Return on Equity16.11%16.48%15.78%16.23%16.72%+61 bps
Net Interest Margin4.77%4.82%4.66%4.25%4.24%-53 bps
Efficiency Ratio36.84%37.95%40.09%38.32%37.89%+105 bps
Non-Interest Burden1.99%2.05%2.09%1.76%1.74%-25 bps
Growth
Asset Growth (YoY)28.00%32.20%29.26%2.93%6.82%-2,118 bps
Loan Growth (YoY)48.00%41.98%42.14%3.12%3.39%-4,461 bps
Deposit Growth (YoY)28.24%33.52%31.92%2.10%6.56%-2,168 bps
Asset Quality
Nonperforming Loans / Loans3.43%3.19%3.17%3.13%3.45%+2 bps
Net Charge-Offs / Loans-0.04%-0.03%-0.02%0.00%0.00%+4 bps
Allowance / Loans2.00%2.00%1.92%2.00%1.93%-7 bps
Allowance Coverage of NPLs0.6x0.6x0.6x0.6x0.6x0.0x
Capital
Tier 1 Leverage Ratio10.81%10.99%11.33%10.87%11.46%+65 bps
Total Risk-Based Capital17.95%17.91%18.08%18.76%19.35%+140 bps
Equity / Assets11.93%11.91%11.80%11.52%12.18%+26 bps
Liquidity & Funding
Loans / Deposits72.00%70.56%70.10%66.49%69.85%-214 bps
Liquid Assets / Assets11.44%16.09%16.36%19.90%16.38%+494 bps
CRE / Total Capitaln/a28.46%29.10%29.04%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, The

Oberlin, KS · Cert 26522 · Peer group: banks under $1B in assets in KS (n=98) · Decatur Investment Inc.

State charter, non-member · FDIC · 14 branches

Q2 2026

$617.3MAssets
$377.6MLoans
$540.5MDeposits
$75.2MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 94% of banks under $1B in assets in KS (rank 6 of 98).
  • Widest gap: nonperforming loans / loans trails 92% of banks under $1B in assets in KS (rank 91 of 98).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.98%

Rank 6 of 98

Net Interest Margin

4.24%

Rank 15 of 98

Efficiency Ratio

44.78%

Rank 8 of 98

Equity / Assets

12.18%

Rank 36 of 98

Non-interest income vs. expense

$1.6M$12.4MINCOMEEXPENSE
Unfavorable gap of $10.8M · efficiency ratio beats 93% of banks under $1B in assets in KS
Bank 44.78%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.98%1.03%1.24%1.54%Beats 94%6 / 98
Return on Equity16.25%8.85%11.58%14.73%Beats 85%15 / 98
Net Interest Margin4.24%3.24%3.62%3.91%Beats 85%15 / 98
Efficiency Ratio44.78%51.87%58.88%64.74%Beats 93%8 / 98
Asset Quality
Nonperforming Loans / Loans3.45%0.01%0.33%1.05%Beats 8%91 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 60%40 / 98
Capital
Tier 1 Capital Ratio18.10%11.81%13.71%17.33%Beats 78%22 / 98
Total Risk-Based Capital Ratio19.35%11.81%14.13%17.45%Beats 80%20 / 98
Equity / Assets12.18%8.60%11.34%13.10%Beats 63%36 / 98
Liquidity & Funding
Loans / Deposits69.85%57.09%69.84%82.47%51st pctl48 / 98
Loans / Assets61.17%49.34%58.31%68.94%55th pctl44 / 98
Brokered Deposits / Depositsn/aNot reported for this institution