Farmers State Bank

Phillipsburg, KansasFDIC Cert #14344

STATEEstablished 19091 branch

Holding company: PHILLIPS HOLDINGS INCRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$434K
Investor CRE	$635K
Multifamily	$0
Construction	$196K
1–4 family	$5.62M
C&I	$1.85M
Agriculture	$10.2M
Other	$3.21M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$22.1M

+2.5%y/y

Percentile by value36th percentileby value

FDICLNLSGR

Net loans

$21.7M

+2.6%y/y

Percentile by value36th percentileby value

FDICLNLSNET

Loans YoY

+2.56%

−38.6%y/y

Percentile by value49th percentileby value

FDICLNLSNET

L/D

62.0%

−5.3%y/y

Percentile by value45th percentileby value

FDICLNLSNET + DEP

Loans/assets

51.1%

−4.8%y/y

Percentile by value45th percentileby value

FDICLNLSNET + ASSET

RE loans %

60.89%

+0.6%y/y

Percentile by value38th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,879points

+9.2%y/y

Peer standing83rd percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

1.96%

−7.3%y/y

Percentile by value38th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

2.87%

−45.2%y/y

Percentile by value45th percentileby value

FDICLNRENROT + LNLSGR

C&I %

8.36%

−9.3%y/y

Percentile by value46th percentileby value

FDICLNCI + LNLSGR