Bethany, MO · Cert 10618 · Bethany Bankshares Inc.
State charter, non-member · FDIC · 30 branches
Q2 2026
Market Position · Jefferson City, MO · 2026 SOD (annual) · 2.2% share · #8 of 20 inst. · $0.2B of $7.7B
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 | 0.96% | 1.03% | 1.24% | 1.32% | 1.33% | 1.33% | 1.23% | 0.90% | -42 bps | |
| Return on Equity | 11.10% | 11.95% | 14.36% | 13.89% | 13.35% | 13.12% | 11.49% | 8.88% | -501 bps | |
| Net Interest Margin | 3.68% | 3.63% | 4.00% | 4.05% | 4.07% | 4.00% | 4.14% | 3.88% | -17 bps | |
| Efficiency Ratio | 67.16% | 65.71% | 59.66% | 58.25% | 58.22% | 58.23% | 57.98% | 67.02% | +877 bps | |
| Non-Interest Burden | 2.37% | 2.29% | 2.27% | 2.24% | 2.25% | 2.21% | 2.33% | 2.52% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.96% | 18.51% | 16.35% | 13.46% | 12.75% | 14.11% | 16.11% | 35.66% | +2,219 bps | |
| Loan Growth (YoY) | 21.11% | 24.46% | 22.33% | 17.55% | 19.06% | 17.19% | 19.50% | 37.47% | +1,992 bps | |
| Deposit Growth (YoY) | 2.66% | 8.90% | 12.16% | 16.89% | 18.59% | 17.98% | 20.40% | 36.99% | +2,010 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.45% | 0.35% | 0.92% | 1.07% | 0.99% | 0.80% | 1.10% | 0.72% | -35 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 0.97% | 0.99% | 1.02% | 1.03% | 1.05% | 1.06% | 1.15% | +13 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.8x | 1.1x | 1.0x | 1.1x | 1.3x | 1.0x | 1.6x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.01% | 8.94% | 8.97% | 11.32% | 11.39% | 11.06% | 10.99% | 9.35% | -197 bps | |
| Total Risk-Based Capital | 9.01% | 8.94% | 8.97% | 11.32% | 11.39% | 11.06% | 10.99% | 9.35% | -197 bps | |
| Equity / Assets | 8.87% | 8.53% | 8.77% | 11.20% | 11.16% | 10.79% | 10.60% | 9.12% | -208 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.75% | 108.92% | 108.54% | 106.65% | 110.18% | 108.19% | 107.73% | 107.02% | +37 bps | |
| Liquid Assets / Assets | 0.92% | 0.79% | 0.90% | 1.14% | 0.45% | 1.34% | 1.58% | 1.37% | +23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 113.84% | 107.23% | 121.89% | n/a | n/a | |