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Great American Bank

Lawrence, KS · Cert 35292 · First Financial Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$513.2MAssets
$431.9MLoans
$421.3MDeposits
$70.0MEquity
Loan mix
83%RE $331.3M17%C&I $67.2M0%Consumer $1.0MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $335.3M20%Noninterest $85.9MQ3 2024Q2 2026

Market Position · Lawrence, KS · 2026 SOD (annual) · 7.4% share · #6 of 22 inst. · $0.3B of $3.6B

7.4% Douglas
0.4% Johnson
0.1% Jackson

Executive Summary

  • Earnings: ROA of 2.41%, up 29 bps year over year; NIM at 4.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.97%, up 80 bps from a year ago.
  • Funding: loans stand at 102.53% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.41%+29 bps YoY

Net Interest Margin (YTD, annualized)

4.86%+45 bps YoY

Efficiency Ratio (YTD, annualized)

39.16%-272 bps YoY

Tier 1 Leverage Ratio

10.97%+80 bps YoY

NIM

6.51%Q2 ’246.69%Q2 ’256.89%Q2 ’26+2%+10%

Non-interest income vs. expense

2.11%Q2 ’242.03%Q2 ’252.01%Q2 ’26-17%+8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.82%1.75%2.07%2.13%2.10%2.08%2.15%2.41%+29 bps
Return on Equity13.64%13.22%16.55%16.92%16.48%16.12%16.17%17.98%+106 bps
Net Interest Margin4.45%3.98%4.28%4.41%4.35%4.47%4.63%4.86%+45 bps
Efficiency Ratio46.28%48.72%43.35%41.88%41.48%42.23%41.55%39.16%-272 bps
Non-Interest Burden1.87%1.78%1.46%1.52%1.53%1.63%1.73%1.65%+12 bps
Growth
Asset Growth (YoY)13.69%17.83%19.85%17.51%6.85%1.71%1.75%1.14%-1,637 bps
Loan Growth (YoY)12.88%9.07%9.10%10.24%0.37%3.57%6.50%5.34%-489 bps
Deposit Growth (YoY)30.59%37.70%29.74%24.39%7.32%1.49%1.73%0.79%-2,360 bps
Asset Quality
Nonperforming Loans / Loans0.63%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.05%0.04%0.00%0.00%0 bps
Allowance / Loans0.85%0.88%0.88%0.87%0.91%0.95%0.91%0.92%+5 bps
Allowance Coverage of NPLs1.4xn/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.11%9.87%9.62%10.17%10.51%10.55%10.52%10.97%+80 bps
Total Risk-Based Capital11.11%9.87%9.62%10.17%10.51%10.55%10.52%10.97%+80 bps
Equity / Assets12.88%12.64%12.34%12.70%13.36%13.54%13.06%13.63%+93 bps
Liquidity & Funding
Loans / Deposits101.17%96.30%95.89%98.10%94.62%98.27%100.38%102.53%+443 bps
Liquid Assets / Assets1.24%0.66%0.61%2.97%2.96%2.99%2.91%2.83%-14 bps
CRE / Total Capitaln/an/an/an/a404%403%417%n/an/a