The Walton State Bank

Walton, KansasFDIC Cert #17982

STATEEstablished 19071 branch

Holding company: WSB FINANCIAL 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	$1.29M
Investor CRE	$0
Multifamily	$371K
Construction	$0
1–4 family	$421K
C&I	$446K
Agriculture	$631K
Other	$107K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$3.26M

+5.7%y/y

Percentile by value11th percentileby value

FDICLNLSGR

Net loans

$3.23M

+5.7%y/y

Percentile by value11th percentileby value

FDICLNLSNET

Loans YoY

+5.66%

−86.8%y/y

Percentile by value62nd percentileby value

FDICLNLSNET

L/D

33.8%

+14.7%y/y

Percentile by value12th percentileby value

FDICLNLSNET + DEP

Loans/assets

25.7%

+12.8%y/y

Percentile by value16th percentileby value

FDICLNLSNET + ASSET

RE loans %

83.04%

+28.3%y/y

Percentile by value70th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

19%

−64.9%y/y

Percentile by value46th percentileby value

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

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Percentile by value0th percentileby value

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

FDICLNRECONS + RBC

Loan HHI

2,410points

+5.2%y/y

Peer standing59th percentile

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

Owner CRE %

39.41%

+287.1%y/y

Percentile by value98th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROT + LNLSGR

C&I %

13.68%

−47.0%y/y

Percentile by value67th percentileby value

FDICLNCI + LNLSGR