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Solomon State Bank

Solomon, KS · Cert 4773 · Solomon Bancshares Inc.

State charter, non-member · FDIC · 3 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 KS3

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 KS (n=98). 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

83

Q2 2024Q2 2026peer median (50)

Asset Quality

66

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

92

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

Solomon State Bank

Solomon, KS · Cert 4773 · Solomon Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$182.6MAssets
$139.9MLoans
$146.8MDeposits
$34.1MEquity
Loan mix
93%RE $126.9M4%C&I $5.7M3%Consumer $4.5MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $132.2M10%Noninterest $14.6MQ2 2025Q2 2026

NIM

5.79%Q2 ’246.14%Q2 ’256.21%Q2 ’26+2%+4%

Non-interest income vs. expense

1.90%Q2 ’241.84%Q2 ’251.89%Q2 ’26-3%+3%

Executive Summary

  • Earnings: ROA of 1.78%, up 7 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 19.05%, down 37 bps from a year ago.
  • Funding: loans stand at 95.27% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.78%+7 bps YoY

Net Interest Margin (YTD, annualized)

4.12%+16 bps YoY

Efficiency Ratio (YTD, annualized)

45.27%-52 bps YoY

Tier 1 Leverage Ratio

19.05%-37 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.64%1.72%1.59%1.78%+7 bps
Return on Equity8.82%8.57%9.01%8.51%9.50%+69 bps
Net Interest Margin3.96%3.97%3.85%4.01%4.12%+16 bps
Efficiency Ratio45.79%47.63%45.58%50.19%45.27%-52 bps
Non-Interest Burden1.78%1.86%1.72%1.99%1.83%+5 bps
Growth
Asset Growth (YoY)1.79%7.24%5.42%1.96%4.54%+276 bps
Loan Growth (YoY)1.36%0.78%-0.95%-3.62%-2.01%-336 bps
Deposit Growth (YoY)1.74%8.84%9.01%2.34%5.60%+386 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.07%0.07%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.42%-0.30%-0.20%-0.03%-0.03%+39 bps
Allowance / Loans3.66%3.66%3.61%3.64%3.66%+1 bps
Allowance Coverage of NPLsn/a52.4x51.0xn/an/an/a
Capital
Tier 1 Leverage Ratio19.42%19.45%18.46%18.81%19.05%-37 bps
Total Risk-Based Capital19.42%19.45%18.46%18.81%19.05%-37 bps
Equity / Assets19.43%18.58%18.60%18.80%18.69%-74 bps
Liquidity & Funding
Loans / Deposits102.66%96.39%96.94%96.45%95.27%-739 bps
Liquid Assets / Assets2.63%2.96%2.94%3.08%2.83%+20 bps
CRE / Total Capitaln/a78.34%74.43%71.54%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

Solomon State Bank

Solomon, KS · Cert 4773 · Peer group: banks under $1B in assets in KS (n=98) · Solomon Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$182.6MAssets
$139.9MLoans
$146.8MDeposits
$34.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 98).
  • Widest gap: net charge-offs / loans trails 68% of banks under $1B in assets in KS (rank 68 of 98).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.77%

Rank 12 of 98

Net Interest Margin

4.12%

Rank 21 of 98

Efficiency Ratio

45.27%

Rank 9 of 98

Equity / Assets

18.69%

Rank 9 of 98

Non-interest income vs. expense

$0.1M$3.4MINCOMEEXPENSE
Unfavorable gap of $3.3M · efficiency ratio beats 92% of banks under $1B in assets in KS
Bank 45.27%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.77%1.03%1.24%1.54%Beats 88%12 / 98
Return on Equity9.47%8.85%11.58%14.73%Beats 32%67 / 98
Net Interest Margin4.12%3.24%3.62%3.91%Beats 79%21 / 98
Efficiency Ratio45.27%51.87%58.88%64.74%Beats 92%9 / 98
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.33%1.05%Beats 100%17 / 98
Net Charge-Offs / Loans0.02%n/a0.00%0.03%Beats 32%68 / 98
Capital
Tier 1 Capital Ratio19.05%11.81%13.71%17.33%Beats 81%19 / 98
Total Risk-Based Capital Ratio19.05%11.81%14.13%17.45%Beats 78%22 / 98
Equity / Assets18.69%8.60%11.34%13.10%Beats 91%9 / 98
Liquidity & Funding
Loans / Deposits95.27%57.09%69.84%82.47%96th pctl4 / 98
Loans / Assets76.59%49.34%58.31%68.94%92nd pctl8 / 98
Brokered Deposits / Depositsn/aNot reported for this institution