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Golden Belt Bank, FSA

Hays, KS · Cert 28735 · Mid-America Financial Corp.

State savings bank · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

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 operating regionally (n=94). 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

30

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

26

Q2 2024Q2 2026peer median

Efficiency

66

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

Golden Belt Bank, FSA

Hays, KS · Cert 28735 · Mid-America Financial Corp.

State savings bank · OCC · 3 branches

Q2 2026

$373.5MAssets
$280.7MLoans
$285.2MDeposits
$38.2MEquity
Loan mix
88%RE $224.2M8%C&I $19.2M5%Consumer $12.3MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $233.1M18%Noninterest $52.1MQ2 2025Q2 2026

NIM

4.85%Q2 ’245.04%Q2 ’255.19%Q2 ’26+1%+7%

Non-interest income vs. expense

2.73%Q2 ’242.57%Q2 ’252.46%Q2 ’26-6%-2%

Executive Summary

  • Earnings: ROA of 1.15%, up 3 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.41% of loans (-21 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.07%, down 112 bps from a year ago.
  • Funding: loans stand at 98.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+23 bps YoY

Efficiency Ratio (YTD, annualized)

59.00%-517 bps YoY

Tier 1 Leverage Ratio

10.07%-112 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.13%1.17%0.93%1.15%+3 bps
Return on Equity10.53%10.61%10.88%8.87%11.05%+52 bps
Net Interest Margin3.38%3.37%3.37%3.60%3.62%+23 bps
Efficiency Ratio64.17%63.76%63.05%61.73%59.00%-517 bps
Non-Interest Burden1.91%1.89%1.86%1.99%1.87%-4 bps
Growth
Asset Growth (YoY)10.79%7.80%8.21%9.05%5.25%-554 bps
Loan Growth (YoY)10.17%11.72%8.07%10.45%12.03%+186 bps
Deposit Growth (YoY)6.49%6.83%9.70%7.02%1.57%-493 bps
Asset Quality
Nonperforming Loans / Loans0.62%0.79%0.56%0.45%0.41%-21 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.04%1.05%1.06%1.07%1.06%+1 bps
Allowance Coverage of NPLs1.7x1.3x1.9x2.4x2.6x+0.9x
Capital
Tier 1 Leverage Ratio11.19%11.03%11.04%9.86%10.07%-112 bps
Total Risk-Based Capital11.19%11.03%11.04%9.86%10.07%-112 bps
Equity / Assets10.58%10.84%11.03%10.07%10.22%-35 bps
Liquidity & Funding
Loans / Deposits89.22%92.99%92.83%93.34%98.42%+920 bps
Liquid Assets / Assets1.32%1.02%1.29%0.58%0.73%-60 bps
CRE / Total Capitaln/a108.66%106.90%119.16%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

Golden Belt Bank, FSA

Hays, KS · Cert 28735 · Peer group: banks under $1B in assets operating regionally (n=94) · Mid-America Financial Corp.

State savings bank · OCC · 3 branches

Q2 2026

$373.5MAssets
$280.7MLoans
$285.2MDeposits
$38.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating regionally (rank 12 of 94).
  • Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets operating regionally (rank 77 of 94).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.14%

Rank 50 of 94

Net Interest Margin

3.62%

Rank 62 of 94

Efficiency Ratio

59.00%

Rank 33 of 94

Equity / Assets

10.22%

Rank 46 of 94

Non-interest income vs. expense

$2.2M$9.2MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 66% of banks under $1B in assets operating regionally
Bank 59.00%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%0.82%1.19%1.46%Beats 47%50 / 94
Return on Equity11.14%7.85%11.84%14.03%Beats 45%52 / 94
Net Interest Margin3.62%3.42%3.81%4.18%Beats 34%62 / 94
Efficiency Ratio59.00%55.99%62.41%73.02%Beats 66%33 / 94
Asset Quality
Nonperforming Loans / Loans0.41%0.19%0.47%1.14%Beats 55%43 / 94
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 100%12 / 94
Capital
Tier 1 Capital Ratio10.07%10.28%11.95%15.07%Beats 20%75 / 94
Total Risk-Based Capital Ratio10.07%10.31%12.59%15.88%Beats 18%77 / 94
Equity / Assets10.22%8.98%10.21%11.41%Beats 51%46 / 94
Liquidity & Funding
Loans / Deposits98.42%72.62%84.44%94.55%81st pctl18 / 94
Loans / Assets75.14%62.50%72.84%78.99%63rd pctl35 / 94
Brokered Deposits / Depositsn/aNot reported for this institution