Orrick, MO · Cert 10597 · Northeast KS Bancshares Inc.
State charter, non-member · FDIC · 2 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 the Kansas City, MO-KS area (n=39 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
9
Profitability
43
Liquidity
69
Efficiency
20
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.
Orrick, MO · Cert 10597 · Northeast KS Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #48 of 114 inst. · $0.2B of $99.1B
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 | 0.99% | 1.00% | 1.23% | 1.19% | 1.32% | 1.30% | 0.60% | 0.74% | -46 bps | |
| Return on Equity | 8.62% | 8.53% | 10.66% | 11.34% | 12.69% | 12.47% | 6.19% | 7.52% | -383 bps | |
| Net Interest Margin | 110.21% | 103.63% | 109.00% | 116.10% | 109.43% | 108.50% | 96.11% | 86.54% | -2,956 bps | |
| Efficiency Ratio | 92.18% | 87.62% | 72.60% | 71.92% | 68.82% | 67.89% | 68.91% | 70.82% | -110 bps | |
| Non-Interest Burden | 101.08% | 90.43% | 78.83% | 83.18% | 75.08% | 73.45% | 65.86% | 60.98% | -2,220 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 62.07% | 37.52% | 50.61% | 69.91% | 66.29% | 52.28% | 51.10% | 10.38% | -5,953 bps | |
| Loan Growth (YoY) | 86.91% | 41.05% | 32.95% | 71.58% | 76.11% | 65.75% | 72.33% | 34.23% | -3,735 bps | |
| Deposit Growth (YoY) | 49.75% | 32.38% | 47.96% | 76.62% | 79.56% | 55.98% | 55.28% | 10.29% | -6,633 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.36% | 3.52% | 2.16% | 1.69% | +169 bps | |
| Net Charge-Offs / Loans | 0.12% | 8.97% | 45.72% | 33.96% | 34.82% | 41.12% | 38.79% | 31.89% | -207 bps | |
| Allowance / Loans | 6.71% | 6.43% | 5.69% | 5.70% | 7.14% | 5.93% | 4.52% | 3.44% | -226 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 5.2x | 1.7x | 2.1x | 2.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.77% | 14.17% | 12.03% | 11.74% | 11.30% | 10.98% | 11.29% | 10.87% | -87 bps | |
| Total Risk-Based Capital | 17.22% | 16.85% | 16.93% | 13.09% | 12.84% | 13.29% | 13.05% | 13.00% | -9 bps | |
| Equity / Assets | 13.61% | 12.39% | 10.84% | 9.02% | 10.14% | 10.51% | 8.99% | 10.10% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.96% | 80.57% | 68.22% | 75.05% | 86.27% | 85.61% | 75.72% | 91.33% | +1,629 bps | |
| Liquid Assets / Assets | 1.43% | 7.05% | 19.67% | 15.19% | 5.56% | 6.54% | 18.05% | 5.46% | -972 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 118.62% | 139.22% | 238% | n/a | n/a | |
Orrick, MO · Cert 10597 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Northeast KS Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)
Q2 2026
Return on Assets
0.75%
Rank 35 of 40
Net Interest Margin
86.54%
Rank 1 of 40
Efficiency Ratio
70.90%
Rank 33 of 40
Equity / Assets
10.10%
Rank 20 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.75% | 1.02% | 1.39% | 1.86% | Beats 13% | 35 / 40 | ||
| Return on Equity | 7.38% | 10.74% | 14.78% | 21.32% | Beats 18% | 33 / 40 | ||
| Net Interest Margin | 86.54% | 3.33% | 4.05% | 4.63% | Beats 98% | 1 / 40 | ||
| Efficiency Ratio | 70.90% | 51.70% | 58.10% | 69.29% | Beats 20% | 33 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.69% | 0.05% | 0.20% | 1.11% | Beats 15% | 34 / 39 | ||
| Net Charge-Offs / Loans | 15.95% | n/a | 0.00% | 0.05% | Beats 3% | 39 / 39 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.73% | 11.32% | 12.27% | 16.94% | Beats 35% | 26 / 40 | ||
| Total Risk-Based Capital Ratio | 13.00% | 11.32% | 13.09% | 17.63% | Beats 48% | 21 / 40 | ||
| Equity / Assets | 10.10% | 8.41% | 10.10% | 12.34% | Beats 50% | 20 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.33% | 73.50% | 85.60% | 94.85% | 65th pctl | 14 / 40 | ||
| Loans / Assets | 79.52% | 62.75% | 69.87% | 79.23% | 78th pctl | 9 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||