Karin & Bethi:
Are you comparing "apples to apples"? Are the channel cross section areas the same for the model with overbank areas and without? Or, did you convert some the channel cross section area over to overbank area?
The key to answering this is to look at the conveyance computed at each cross section.
Sincerely,
Chris E. Maeder, M.S., P.E.
Senior Technical Engineer
chris.maeder@bossintl.com