PackageTrendsPeer
Letter portraitLegal landscape

Community Bank of Wichita, Inc.

Wichita, KS · Cert 35118 · Community State Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Wichita, KS area3

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 in the Wichita, KS area (n=20). 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

60

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

Community Bank of Wichita, Inc.

Wichita, KS · Cert 35118 · Community State Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$128.3MAssets
$103.8MLoans
$117.6MDeposits
$10.0MEquity
Loan mix
78%RE $76.6M16%C&I $16.0M5%Consumer $5.2MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $94.9M19%Noninterest $22.7MQ2 2025Q2 2026

NIM

5.79%Q2 ’246.09%Q2 ’256.37%Q2 ’26-1%+11%

Non-interest income vs. expense

3.04%Q2 ’242.89%Q2 ’252.74%Q2 ’26-3%-5%

Market Position · Wichita, KS · 2026 SOD (annual) · 0.5% share · #32 of 46 inst. · $0.1B of $23.2B

Executive Summary

  • Earnings: ROA of 1.27%, up 34 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 0.72% of loans (-12 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 8.64%, down 35 bps from a year ago.
  • Funding: loans stand at 88.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.27%+34 bps YoY

Net Interest Margin (YTD, annualized)

4.19%+43 bps YoY

Efficiency Ratio (YTD, annualized)

61.44%-981 bps YoY

Tier 1 Leverage Ratio

8.64%-35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%1.02%1.04%1.10%1.27%+34 bps
Return on Equity12.05%13.15%13.45%14.12%16.20%+416 bps
Net Interest Margin3.76%3.72%3.76%4.12%4.19%+43 bps
Efficiency Ratio71.25%68.53%68.40%65.82%61.44%-981 bps
Non-Interest Burden2.59%2.46%2.48%2.64%2.47%-12 bps
Growth
Asset Growth (YoY)6.13%11.56%12.83%10.56%10.10%+397 bps
Loan Growth (YoY)4.98%11.04%15.93%16.56%13.88%+889 bps
Deposit Growth (YoY)9.19%11.76%12.61%10.41%9.86%+67 bps
Asset Quality
Nonperforming Loans / Loans0.83%0.52%0.42%1.11%0.72%-12 bps
Net Charge-Offs / Loans-0.02%-0.02%-0.02%0.12%0.17%+19 bps
Allowance / Loans1.34%1.31%1.26%1.20%1.13%-21 bps
Allowance Coverage of NPLs1.6x2.5x3.0x1.1x1.6x0.0x
Capital
Tier 1 Leverage Ratio8.99%8.71%8.46%8.54%8.64%-35 bps
Total Risk-Based Capital8.99%8.71%12.28%12.31%12.19%+320 bps
Equity / Assets7.70%7.82%7.85%7.76%7.83%+13 bps
Liquidity & Funding
Loans / Deposits85.09%84.00%87.86%86.23%88.20%+311 bps
Liquid Assets / Assets0.04%0.03%0.03%0.04%0.04%0 bps
CRE / Total Capitaln/a293%291%303%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

Community Bank of Wichita, Inc.

Wichita, KS · Cert 35118 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · Community State Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$128.3MAssets
$103.8MLoans
$117.6MDeposits
$10.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 75% of banks under $1B in assets in the Wichita, KS area (rank 5 of 20).
  • Widest gap: equity / assets trails 85% of banks under $1B in assets in the Wichita, KS area (rank 17 of 20).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.24%

Rank 9 of 20

Net Interest Margin

4.19%

Rank 6 of 20

Efficiency Ratio

61.44%

Rank 9 of 20

Equity / Assets

7.83%

Rank 17 of 20

Non-interest income vs. expense

$0.3M$3.5MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 60% of banks under $1B in assets in the Wichita, KS area
Bank 61.44%Peer median 65.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.24%0.80%1.20%1.35%Beats 55%9 / 20
Return on Equity15.78%9.43%12.85%15.78%Beats 75%5 / 20
Net Interest Margin4.19%3.71%4.04%4.23%Beats 70%6 / 20
Efficiency Ratio61.44%59.34%65.86%71.92%Beats 60%9 / 20
Asset Quality
Nonperforming Loans / Loans0.72%0.06%0.64%1.17%Beats 40%13 / 20
Net Charge-Offs / Loans0.08%n/a0.02%0.09%Beats 30%15 / 20
Capital
Tier 1 Capital Ratio10.96%11.10%11.73%15.56%Beats 20%16 / 20
Total Risk-Based Capital Ratio12.19%11.80%12.57%16.49%Beats 35%13 / 20
Equity / Assets7.83%8.39%8.81%11.24%Beats 15%17 / 20
Liquidity & Funding
Loans / Deposits88.20%62.67%77.26%93.25%60th pctl8 / 20
Loans / Assets80.86%54.38%67.74%81.71%70th pctl6 / 20
Brokered Deposits / Depositsn/aNot reported for this institution