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 | |