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Bankers' Bank of Kansas

Wichita, KS · Cert 27351 · Bbok Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$255.7MAssets
$173.2MLoans
$130.4MDeposits
$36.5MEquity
Loan mix
50%RE $59.2M30%C&I $36.4M20%Consumer $23.9MQ2 2025Q2 2026
Deposit mix
35%Interest-bearing $46.3M65%Noninterest $84.1MQ2 2025Q2 2026

NIM

6.42%Q2 ’245.94%Q2 ’255.94%Q2 ’26+5%+1%

Non-interest income vs. expense

6.85%Q2 ’246.79%Q2 ’256.54%Q2 ’26+125%-10%

Market Position · Wichita, KS · 2026 SOD (annual) · 0.6% share · #29 of 46 inst. · $0.1B of $23.2B

Executive Summary

  • Earnings: ROA of 0.75%, up 19 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 1.51% of loans (-94 bps YoY), with net charge-offs at 0.75%.
  • Capital: tier 1 leverage ratio of 16.31%, down 66 bps from a year ago.
  • Funding: loans stand at 132.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.75%+19 bps YoY

Net Interest Margin (YTD, annualized)

4.55%+4 bps YoY

Efficiency Ratio (YTD, annualized)

78.78%-412 bps YoY

Tier 1 Leverage Ratio

16.31%-66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.67%0.58%0.71%0.75%+19 bps
Return on Equity3.49%4.01%3.50%4.17%4.69%+120 bps
Net Interest Margin4.51%4.16%4.43%4.36%4.55%+4 bps
Efficiency Ratio82.90%80.78%81.48%78.91%78.78%-412 bps
Non-Interest Burden3.11%2.68%2.92%2.69%2.79%-33 bps
Growth
Asset Growth (YoY)5.58%2.82%-1.10%-6.80%16.65%+1,107 bps
Loan Growth (YoY)-0.17%4.75%6.38%23.13%22.23%+2,241 bps
Deposit Growth (YoY)-0.82%-4.30%7.05%-0.88%14.11%+1,492 bps
Asset Quality
Nonperforming Loans / Loans2.45%2.40%1.80%1.62%1.51%-94 bps
Net Charge-Offs / Loans0.60%0.58%1.10%0.68%0.75%+15 bps
Allowance / Loans2.24%2.35%1.84%1.80%1.82%-42 bps
Allowance Coverage of NPLs0.9x1.0x1.0x1.1x1.2x+0.3x
Capital
Tier 1 Leverage Ratio16.97%15.83%16.75%15.52%16.31%-66 bps
Total Risk-Based Capital22.93%22.53%21.46%19.68%19.22%-371 bps
Equity / Assets16.33%18.45%17.02%17.08%14.29%-204 bps
Liquidity & Funding
Loans / Deposits123.98%133.89%115.23%135.00%132.81%+883 bps
Liquid Assets / Assets26.44%18.17%20.72%5.13%10.41%-1,603 bps
CRE / Total Capitaln/a99.11%111.01%143.63%n/an/a