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Letter portraitLegal landscapeQuarterYTD

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 $12.3MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $233.1M18%Noninterest $52.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.37%, up 16 bps year over year; NIM at 3.68%.
  • 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.

Return on Assets (quarter, annualized)

1.37%+16 bps YoY

Net Interest Margin (quarter, annualized)

3.68%+18 bps YoY

Efficiency Ratio (quarter, annualized)

56.41%-656 bps YoY

Tier 1 Leverage Ratio

10.07%-112 bps YoY

NIM

4.98%Q2 ’245.19%Q2 ’255.26%Q2 ’26+2%+5%

Non-interest income vs. expense

2.72%Q2 ’242.66%Q2 ’252.42%Q2 ’26-8%-7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%0.84%1.04%1.21%1.16%1.26%0.93%1.37%+16 bps
Return on Equity10.75%7.83%9.73%11.37%10.80%11.52%8.87%13.50%+214 bps
Net Interest Margin3.46%3.25%3.35%3.50%3.54%3.58%3.60%3.68%+18 bps
Efficiency Ratio61.53%69.25%65.51%62.97%63.00%61.08%61.73%56.41%-656 bps
Non-Interest Burden1.88%2.08%1.97%1.90%1.94%1.89%1.99%1.77%-13 bps
Growth
Asset Growth (YoY)9.47%9.05%8.54%10.79%7.80%8.21%9.05%5.25%-554 bps
Loan Growth (YoY)9.09%10.96%10.72%10.17%11.72%8.07%10.45%12.03%+186 bps
Deposit Growth (YoY)1.44%-1.44%1.62%6.49%6.83%9.70%7.02%1.57%-493 bps
Asset Quality
Nonperforming Loans / Loans0.81%0.49%0.38%0.62%0.79%0.56%0.45%0.41%-21 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.07%1.05%1.06%1.04%1.05%1.06%1.07%1.06%+1 bps
Allowance Coverage of NPLs1.3x2.1x2.8x1.7x1.3x1.9x2.4x2.6x+0.9x
Capital
Tier 1 Leverage Ratio11.46%11.17%11.19%11.19%11.03%11.04%9.86%10.07%-112 bps
Total Risk-Based Capital11.46%11.17%11.19%11.19%11.03%11.04%9.86%10.07%-112 bps
Equity / Assets10.97%10.58%10.72%10.58%10.84%11.03%10.07%10.22%-35 bps
Liquidity & Funding
Loans / Deposits88.92%94.23%90.44%89.22%92.99%92.83%93.34%98.42%+920 bps
Liquid Assets / Assets1.38%0.64%0.67%1.32%1.02%1.29%0.58%0.73%-60 bps
CRE / Total Capitaln/an/an/an/a108.66%106.90%119.16%n/an/a