Ness City, KS · Cert 10503 · Beutler Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.71% | 0.53% | 1.15% | 1.03% | +23 bps | |
| Return on Equity | 8.60% | 7.38% | 5.26% | 10.45% | 9.21% | +61 bps | |
| Net Interest Margin | 2.55% | 2.47% | 2.54% | 2.61% | 2.72% | +17 bps | |
| Efficiency Ratio | 65.13% | 67.89% | 76.28% | 58.09% | 60.90% | -424 bps | |
| Non-Interest Burden | 1.59% | 1.60% | 1.88% | 1.22% | 1.45% | -14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.85% | 2.18% | -1.55% | 6.98% | 4.00% | +585 bps | |
| Loan Growth (YoY) | 11.94% | 0.36% | 7.35% | 3.14% | 8.28% | -366 bps | |
| Deposit Growth (YoY) | 11.98% | 6.01% | -4.32% | 5.65% | 2.24% | -974 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.06% | 0.04% | 0.05% | 0.02% | +2 bps | |
| Allowance / Loans | 2.61% | 2.86% | 2.66% | 2.63% | 2.36% | -25 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.10% | 14.97% | 15.34% | 14.91% | 15.27% | +17 bps | |
| Total Risk-Based Capital | 22.66% | 23.72% | 23.16% | 23.31% | 22.59% | -7 bps | |
| Equity / Assets | 9.89% | 10.81% | 11.29% | 10.65% | 11.54% | +164 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.91% | 42.96% | 45.82% | 44.48% | 50.74% | +283 bps | |
| Liquid Assets / Assets | 1.22% | 0.85% | 0.80% | 0.82% | 0.89% | -33 bps | |
| CRE / Total Capital | n/a | 10.81% | 9.98% | 7.45% | n/a | n/a | |