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American Bank of Baxter Springs

Baxter Springs, KS · Cert 4624 · American Bancshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$170.2MAssets
$104.0MLoans
$152.3MDeposits
$17.4MEquity
Loan mix
90%RE $83.9M9%C&I $8.8M1%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $133.5M12%Noninterest $18.9MQ2 2025Q2 2026

NIM

4.26%Q2 ’244.52%Q2 ’254.71%Q2 ’26-2%-3%

Non-interest income vs. expense

2.82%Q2 ’242.16%Q2 ’252.36%Q2 ’26-23%+11%

Market Position · Joplin, MO-KS · 2026 SOD (annual) · 3.1% share · #10 of 22 inst. · $0.2B of $4.9B

Executive Summary

  • Earnings: ROA of 1.09%, down 32 bps year over year; NIM at 3.51%.
  • 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 9.98%, up 35 bps from a year ago.
  • Funding: loans stand at 68.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%-32 bps YoY

Net Interest Margin (YTD, annualized)

3.51%-12 bps YoY

Efficiency Ratio (YTD, annualized)

61.39%+675 bps YoY

Tier 1 Leverage Ratio

9.98%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.30%1.05%0.90%1.09%-32 bps
Return on Equity16.45%14.78%11.97%10.14%11.67%-478 bps
Net Interest Margin3.63%3.45%3.38%3.33%3.51%-12 bps
Efficiency Ratio54.64%56.97%62.97%65.42%61.39%+675 bps
Non-Interest Burden1.84%1.77%1.98%2.09%2.03%+19 bps
Growth
Asset Growth (YoY)29.63%30.48%32.48%-2.37%-8.66%-3,828 bps
Loan Growth (YoY)22.08%28.53%21.44%15.67%15.08%-700 bps
Deposit Growth (YoY)30.45%31.99%33.33%-3.90%-10.37%-4,083 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.54%1.52%1.55%1.57%1.51%-3 bps
Allowance Coverage of NPLsn/a479.3xn/an/an/an/a
Capital
Tier 1 Leverage Ratio9.64%9.88%9.94%9.20%9.98%+35 bps
Total Risk-Based Capital9.64%9.88%9.94%9.20%9.98%+35 bps
Equity / Assets8.51%9.47%8.85%8.95%10.22%+171 bps
Liquidity & Funding
Loans / Deposits53.15%58.98%54.24%57.40%68.24%+1,509 bps
Liquid Assets / Assets23.35%19.52%20.40%20.80%9.16%-1,419 bps
CRE / Total Capitaln/a84.96%89.36%94.64%n/an/a