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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 $5.4MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $426.5M21%Noninterest $114.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.06%, up 8 bps year over year; NIM at 4.28%.
  • 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.

Return on Assets (quarter, annualized)

2.06%+8 bps YoY

Net Interest Margin (quarter, annualized)

4.28%-47 bps YoY

Efficiency Ratio (quarter, annualized)

37.47%+76 bps YoY

Tier 1 Leverage Ratio

11.46%+65 bps YoY

NIM

4.76%Q2 ’245.95%Q2 ’255.49%Q2 ’26+42%-10%

Non-interest income vs. expense

1.78%Q2 ’242.21%Q2 ’251.98%Q2 ’26+27%-11%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.69%1.72%1.79%1.98%2.04%1.62%1.89%2.06%+8 bps
Return on Equity13.53%13.02%14.86%17.47%17.12%13.63%16.23%17.40%-7 bps
Net Interest Margin3.96%3.93%4.60%4.75%4.86%4.38%4.25%4.28%-47 bps
Efficiency Ratio46.80%45.28%36.97%36.71%40.14%47.01%38.32%37.47%+76 bps
Non-Interest Burden1.86%1.78%1.93%1.97%2.16%2.28%1.76%1.74%-22 bps
Growth
Asset Growth (YoY)-0.71%1.21%30.38%28.00%32.20%29.26%2.93%6.82%-2,118 bps
Loan Growth (YoY)8.70%11.26%48.08%48.00%41.98%42.14%3.12%3.39%-4,461 bps
Deposit Growth (YoY)-2.87%-1.33%31.31%28.24%33.52%31.92%2.10%6.56%-2,168 bps
Asset Quality
Nonperforming Loans / Loans3.21%2.49%3.69%3.43%3.19%3.17%3.13%3.45%+2 bps
Net Charge-Offs / Loans0.02%0.00%-0.07%-0.01%0.00%0.01%0.00%0.00%+2 bps
Allowance / Loans2.07%1.99%1.98%2.00%2.00%1.92%2.00%1.93%-7 bps
Allowance Coverage of NPLs0.6x0.8x0.5x0.6x0.6x0.6x0.6x0.6x0.0x
Capital
Tier 1 Leverage Ratio12.63%14.31%9.66%10.81%10.99%11.33%10.87%11.46%+65 bps
Total Risk-Based Capital22.39%25.12%17.06%17.95%17.91%18.08%18.76%19.35%+140 bps
Equity / Assets12.85%13.61%10.81%11.93%11.91%11.80%11.52%12.18%+26 bps
Liquidity & Funding
Loans / Deposits66.36%65.06%65.83%72.00%70.56%70.10%66.49%69.85%-214 bps
Liquid Assets / Assets12.98%18.31%15.87%11.44%16.09%16.36%19.90%16.38%+494 bps
CRE / Total Capitaln/an/an/an/a28.46%29.10%29.04%n/an/a