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Bank of the Flint Hills

Wamego, KS · Cert 4791 · Wamego Bancshares Inc.

State charter, Fed member · FED · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

14

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

53

Q2 2024Q2 2026peer median

Efficiency

69

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

Bank of the Flint Hills

Wamego, KS · Cert 4791 · Wamego Bancshares Inc.

State charter, Fed member · FED · 8 branches

Q2 2026

$544.5MAssets
$432.1MLoans
$473.0MDeposits
$41.9MEquity
Loan mix
80%RE $281.0M19%C&I $65.3M2%Consumer $6.7MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $380.5M20%Noninterest $92.4MQ2 2025Q2 2026

NIM

5.46%Q2 ’245.67%Q2 ’255.80%Q2 ’26+4%+5%

Non-interest income vs. expense

2.66%Q2 ’242.53%Q2 ’252.68%Q2 ’26-4%+7%

Market Position · Manhattan, KS · 2026 SOD (annual) · 9.0% share · #3 of 22 inst. · $0.4B of $4.5B

27.8% Pottawatomie
4.8% Riley
0.5% Shawnee
12.5% Wabaunsee

Executive Summary

  • Earnings: ROA of 1.25%, up 3 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.03% of loans (-50 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.65%, down 15 bps from a year ago.
  • Funding: loans stand at 91.37% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.25%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+19 bps YoY

Efficiency Ratio (YTD, annualized)

61.14%+62 bps YoY

Tier 1 Leverage Ratio

8.65%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.26%1.30%1.22%1.25%+3 bps
Return on Equity15.54%15.95%16.30%15.35%15.90%+35 bps
Net Interest Margin3.69%3.68%3.65%3.74%3.88%+19 bps
Efficiency Ratio60.51%60.14%60.04%61.65%61.14%+62 bps
Non-Interest Burden2.04%2.01%1.98%2.09%2.18%+14 bps
Growth
Asset Growth (YoY)9.92%13.02%10.49%11.57%14.03%+412 bps
Loan Growth (YoY)10.81%18.25%14.19%8.58%13.72%+292 bps
Deposit Growth (YoY)9.31%12.06%11.68%17.77%11.24%+193 bps
Asset Quality
Nonperforming Loans / Loans0.54%0.46%0.42%0.39%0.03%-50 bps
Net Charge-Offs / Loans0.02%0.01%0.02%-0.02%0.01%-1 bps
Allowance / Loans1.28%1.27%1.28%1.31%1.25%-3 bps
Allowance Coverage of NPLs2.4x2.8x3.0x3.4x40.2x+37.8x
Capital
Tier 1 Leverage Ratio8.80%8.68%8.59%8.55%8.65%-15 bps
Total Risk-Based Capital11.50%11.57%11.49%11.71%11.22%-28 bps
Equity / Assets7.99%8.05%8.04%7.92%7.69%-30 bps
Liquidity & Funding
Loans / Deposits89.37%89.76%87.69%84.91%91.37%+199 bps
Liquid Assets / Assets0.85%0.46%4.61%5.48%1.48%+63 bps
CRE / Total Capitaln/a283%275%229%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

Bank of the Flint Hills

Wamego, KS · Cert 4791 · Peer group: banks under $1B in assets (n=581-629) · Wamego Bancshares Inc.

State charter, Fed member · FED · 8 branches

Q2 2026

$544.5MAssets
$432.1MLoans
$473.0MDeposits
$41.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 87% of banks under $1B in assets (rank 84 of 629).
  • Widest gap: equity / assets trails 90% of banks under $1B in assets (rank 569 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.21%

Rank 234 of 629

Net Interest Margin

3.88%

Rank 201 of 629

Efficiency Ratio

61.21%

Rank 195 of 629

Equity / Assets

7.69%

Rank 569 of 629

Non-interest income vs. expense

$2.6M$14.1MINCOMEEXPENSE
Unfavorable gap of $11.4M · efficiency ratio beats 69% of banks under $1B in assets
Bank 61.21%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%0.60%1.01%1.45%Beats 63%234 / 629
Return on Equity15.72%5.38%9.30%13.28%Beats 87%84 / 629
Net Interest Margin3.88%3.03%3.54%4.05%Beats 68%201 / 629
Efficiency Ratio61.21%58.35%67.79%79.08%Beats 69%195 / 629
Asset Quality
Nonperforming Loans / Loans0.03%0.09%0.46%1.20%Beats 83%99 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 47%313 / 581
Capital
Tier 1 Capital Ratio10.03%11.24%13.84%18.77%Beats 12%555 / 629
Total Risk-Based Capital Ratio11.22%11.58%14.43%19.66%Beats 21%498 / 629
Equity / Assets7.69%9.09%10.65%13.80%Beats 10%569 / 629
Liquidity & Funding
Loans / Deposits91.37%67.24%80.90%93.48%72nd pctl169 / 594
Loans / Assets79.36%53.31%67.71%78.15%80th pctl125 / 629
Brokered Deposits / Depositsn/aNot reported for this institution