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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