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State Bank of Downs

Downs, KS · Cert 9659 · B Bank Inc.

State charter, non-member · FDIC · 2 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

47

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

9

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

State Bank of Downs

Downs, KS · Cert 9659 · B Bank Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$148.0MAssets
$81.7MLoans
$127.3MDeposits
$19.2MEquity
Loan mix
80%RE $60.9M18%C&I $14.1M2%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $97.1M24%Noninterest $30.3MQ2 2025Q2 2026

NIM

5.77%Q2 ’245.51%Q2 ’254.83%Q2 ’26-7%-10%

Non-interest income vs. expense

1.78%Q2 ’241.80%Q2 ’252.40%Q2 ’26+3%+35%

Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.0% share · #52 of 68 inst. · $0.1B of $113.6B

33.1% Osborne
0.1% Denver

Executive Summary

  • Earnings: ROA of 0.65%, down 95 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.64%, down 56 bps from a year ago.
  • Funding: loans stand at 64.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%-95 bps YoY

Net Interest Margin (YTD, annualized)

3.22%-38 bps YoY

Efficiency Ratio (YTD, annualized)

73.30%+2,406 bps YoY

Tier 1 Leverage Ratio

12.64%-56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.60%1.42%1.30%1.21%0.65%-95 bps
Return on Equity12.16%10.70%9.73%9.12%4.92%-724 bps
Net Interest Margin3.59%3.63%3.52%3.25%3.22%-38 bps
Efficiency Ratio49.25%51.59%55.36%54.93%73.30%+2,406 bps
Non-Interest Burden1.74%1.84%1.92%1.76%2.34%+61 bps
Growth
Asset Growth (YoY)9.40%4.91%1.82%5.52%4.23%-517 bps
Loan Growth (YoY)0.80%-2.90%-4.65%-9.54%-10.61%-1,140 bps
Deposit Growth (YoY)10.53%5.27%1.64%6.02%4.98%-555 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%0.12%0.10%0.00%0.01%+3 bps
Allowance / Loans1.15%1.16%1.24%1.30%1.47%+31 bps
Allowance Coverage of NPLsn/an/an/a264.0xn/an/a
Capital
Tier 1 Leverage Ratio13.20%13.47%13.13%13.35%12.64%-56 bps
Total Risk-Based Capital13.20%13.47%13.13%13.35%12.64%-56 bps
Equity / Assets13.52%13.75%13.73%12.89%12.99%-53 bps
Liquidity & Funding
Loans / Deposits75.40%75.84%71.46%61.30%64.20%-1,119 bps
Liquid Assets / Assets1.49%1.47%1.03%0.79%1.22%-27 bps
CRE / Total Capitaln/a104.01%101.08%94.80%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

State Bank of Downs

Downs, KS · Cert 9659 · Peer group: banks under $1B in assets in KS (n=98) · B Bank Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$148.0MAssets
$81.7MLoans
$127.3MDeposits
$19.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 98).
  • Widest gap: return on equity trails 97% of banks under $1B in assets in KS (rank 95 of 98).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.65%

Rank 93 of 98

Net Interest Margin

3.22%

Rank 76 of 98

Efficiency Ratio

73.30%

Rank 90 of 98

Equity / Assets

12.99%

Rank 28 of 98

Non-interest income vs. expense

$0.1M$3.6MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 9% of banks under $1B in assets in KS
Bank 73.30%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.65%1.03%1.24%1.54%Beats 5%93 / 98
Return on Equity4.97%8.85%11.58%14.73%Beats 3%95 / 98
Net Interest Margin3.22%3.24%3.62%3.91%Beats 22%76 / 98
Efficiency Ratio73.30%51.87%58.88%64.74%Beats 9%90 / 98
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.33%1.05%Beats 100%17 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 51%49 / 98
Capital
Tier 1 Capital Ratio12.64%11.81%13.71%17.33%Beats 37%62 / 98
Total Risk-Based Capital Ratio12.64%11.81%14.13%17.45%Beats 32%67 / 98
Equity / Assets12.99%8.60%11.34%13.10%Beats 71%28 / 98
Liquidity & Funding
Loans / Deposits64.20%57.09%69.84%82.47%39th pctl60 / 98
Loans / Assets55.24%49.34%58.31%68.94%42nd pctl57 / 98
Brokered Deposits / Depositsn/aNot reported for this institution