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Letter portraitLegal landscapeQuarterYTD

Citizens Bank of Kansas

Kingman, KS · Cert 4707 · King Bancshares Inc.

State charter, Fed member · FED · 11 branches

Q2 2026

$548.4MAssets
$239.1MLoans
$498.6MDeposits
$33.8MEquity
Loan mix
93%RE $195.9M5%C&I $11.1M2%Consumer $3.5MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $387.6M22%Noninterest $111.0MQ2 2025Q2 2026

NIM

3.74%Q2 ’243.91%Q2 ’253.88%Q2 ’26+9%+5%

Non-interest income vs. expense

2.66%Q2 ’242.60%Q2 ’252.49%Q2 ’26-3%+0%

Market Position · Wichita, KS · 2026 SOD (annual) · 1.1% share · #14 of 46 inst. · $0.3B of $23.2B

1.0% Sedgwick
34.6% Kingman
4.3% Butler
34.6% Barber

Executive Summary

  • Earnings: ROA of 0.81%, up 12 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.02% of loans (-6 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.53%, down 16 bps from a year ago.
  • Funding: loans stand at 47.95% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.95%+14 bps YoY

Efficiency Ratio (YTD, annualized)

71.48%-375 bps YoY

Tier 1 Leverage Ratio

8.53%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.71%0.69%0.76%0.81%+12 bps
Return on Equity16.12%14.98%13.61%12.74%13.44%-268 bps
Net Interest Margin2.81%2.86%2.88%2.94%2.95%+14 bps
Efficiency Ratio75.24%75.05%75.77%72.63%71.48%-375 bps
Non-Interest Burden1.91%1.94%1.98%1.94%1.91%0 bps
Growth
Asset Growth (YoY)2.73%3.12%7.69%6.52%6.94%+421 bps
Loan Growth (YoY)5.32%4.24%0.74%-0.84%-2.07%-739 bps
Deposit Growth (YoY)2.65%3.57%6.80%5.94%5.79%+315 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.04%0.03%0.05%0.02%-6 bps
Net Charge-Offs / Loans0.01%0.01%0.00%-0.01%0.02%+1 bps
Allowance / Loans1.05%1.09%1.06%1.08%1.06%+1 bps
Allowance Coverage of NPLs13.4x24.2x31.2x22.7x50.8x+37.4x
Capital
Tier 1 Leverage Ratio8.69%8.86%8.84%8.61%8.53%-16 bps
Total Risk-Based Capital15.31%15.89%15.75%16.04%15.82%+51 bps
Equity / Assets4.47%6.02%6.40%5.60%6.16%+168 bps
Liquidity & Funding
Loans / Deposits51.80%51.42%50.74%47.82%47.95%-385 bps
Liquid Assets / Assets3.58%2.50%3.50%7.72%5.14%+156 bps
CRE / Total Capitaln/a149.55%148.82%145.44%n/an/a