Johnson State Bank

Johnson, KansasFDIC Cert #15237

STATEEstablished 19142 branches

Holding company: JOHNSON STATE BANCSHARES INCRegulator: FDIC

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	$76K
Investor CRE	$4.19M
Multifamily	$0
Construction	$0
1–4 family	$4.83M
C&I	$3.1M
Agriculture	$19.3M
Other	$1.88M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$33.4M

+4.5%y/y

Percentile by value3rd percentileby value

FDICLNLSGR

Net loans

$32M

+4.5%y/y

Percentile by value3rd percentileby value

FDICLNLSNET

Loans YoY

+4.47%

+33.8%y/y

Percentile by value46th percentileby value

FDICLNLSNET

L/D

37.6%

−7.3%y/y

Percentile by value5th percentileby value

FDICLNLSNET + DEP

Loans/assets

31.8%

−6.0%y/y

Percentile by value5th percentileby value

FDICLNLSNET + ASSET

RE loans %

79.68%

+14.2%y/y

Percentile by value48th 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

3,171points

+34.9%y/y

Peer standing25th percentile

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

Owner CRE %

0.23%

−8.0%y/y

Percentile by value8th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

12.54%

−8.2%y/y

Percentile by value68th percentileby value

FDICLNRENROT + LNLSGR

C&I %

9.28%

−22.4%y/y

Percentile by value51st percentileby value

FDICLNCI + LNLSGR