Ottawa, KS · Cert 10505
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
10
Asset Quality
65
Profitability
42
Liquidity
0
Efficiency
51
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Ottawa, KS · Cert 10505
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Lawrence, KS · 2026 SOD (annual) · 0.5% share · #19 of 22 inst. · $0.0B of $3.6B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 1.23% | 1.30% | 1.12% | 1.08% | 1.00% | 1.06% | 1.14% | +2 bps | |
| Return on Equity | 9.91% | 17.99% | 16.24% | 13.80% | 12.71% | 11.81% | 12.29% | 13.25% | -55 bps | |
| Net Interest Margin | 2.51% | 2.61% | 2.60% | 2.74% | 2.93% | 3.07% | 3.13% | 3.21% | +46 bps | |
| Efficiency Ratio | 71.59% | 74.32% | 68.03% | 65.44% | 63.44% | 62.95% | 60.80% | 58.80% | -663 bps | |
| Non-Interest Burden | 1.68% | 1.83% | 1.65% | 1.66% | 1.71% | 1.78% | 1.76% | 1.73% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.89% | 5.36% | 5.13% | 3.59% | 5.11% | 5.10% | 3.46% | 3.00% | -58 bps | |
| Loan Growth (YoY) | -2.31% | -0.03% | 1.32% | 8.18% | 6.90% | 3.84% | 0.13% | -1.52% | -970 bps | |
| Deposit Growth (YoY) | -1.21% | 4.33% | 2.75% | 1.11% | 3.61% | 4.07% | 2.71% | 2.76% | +165 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.67% | 0.67% | 0.66% | 0.73% | 0.69% | 0.86% | 0.85% | +19 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.27% | 1.34% | 1.32% | 1.31% | 1.33% | 1.49% | 1.53% | 1.67% | +36 bps | |
| Allowance Coverage of NPLs | 51.9x | 2.0x | 2.0x | 2.0x | 1.8x | 2.2x | 1.8x | 2.0x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.76% | 9.78% | 9.43% | 9.35% | 9.77% | 9.72% | 9.35% | 9.25% | -10 bps | |
| Total Risk-Based Capital | 21.78% | 9.78% | 9.43% | 9.35% | 9.77% | 9.72% | 9.35% | 9.25% | -10 bps | |
| Equity / Assets | 8.14% | 7.47% | 8.53% | 8.38% | 9.81% | 8.26% | 9.04% | 8.60% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.67% | 41.63% | 44.71% | 44.06% | 48.15% | 41.54% | 43.59% | 42.22% | -183 bps | |
| Liquid Assets / Assets | 1.07% | 0.89% | 1.21% | 0.71% | 1.35% | 4.12% | 3.92% | 7.26% | +655 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 81.39% | 92.50% | 87.77% | n/a | n/a | |
Ottawa, KS · Cert 10505 · Peer group: banks under $1B in assets in KS (n=98)
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.13%
Rank 60 of 98
Net Interest Margin
3.21%
Rank 77 of 98
Efficiency Ratio
58.80%
Rank 49 of 98
Equity / Assets
8.60%
Rank 74 of 98
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.13% | 1.03% | 1.24% | 1.54% | Beats 39% | 60 / 98 | ||
| Return on Equity | 13.18% | 8.85% | 11.58% | 14.73% | Beats 66% | 33 / 98 | ||
| Net Interest Margin | 3.21% | 3.24% | 3.62% | 3.91% | Beats 21% | 77 / 98 | ||
| Efficiency Ratio | 58.80% | 51.87% | 58.88% | 64.74% | Beats 51% | 49 / 98 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.85% | 0.01% | 0.33% | 1.05% | Beats 30% | 70 / 98 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.25% | 11.81% | 13.71% | 17.33% | Beats 3% | 95 / 98 | ||
| Total Risk-Based Capital Ratio | 9.25% | 11.81% | 14.13% | 17.45% | Beats 3% | 95 / 98 | ||
| Equity / Assets | 8.60% | 8.60% | 11.34% | 13.10% | Beats 24% | 74 / 98 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.22% | 57.09% | 69.84% | 82.47% | 7th pctl | 91 / 98 | ||
| Loans / Assets | 38.08% | 49.34% | 58.31% | 68.94% | 9th pctl | 89 / 98 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||