Baldwin City, KS · Cert 10906 · Baldwin Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Lawrence, KS · 2026 SOD (annual) · 2.9% share · #9 of 22 inst. · $0.1B 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 | 0.57% | 0.56% | 0.72% | 0.74% | 0.82% | 0.76% | 0.63% | 0.79% | +5 bps | |
| Return on Equity | 6.08% | 5.89% | 7.48% | 7.64% | 8.35% | 7.59% | 6.03% | 7.85% | +21 bps | |
| Net Interest Margin | 2.45% | 2.55% | 2.82% | 2.81% | 2.80% | 2.91% | 2.90% | 2.85% | +4 bps | |
| Efficiency Ratio | 74.75% | 75.98% | 71.08% | 70.37% | 67.78% | 70.48% | 75.17% | 69.15% | -122 bps | |
| Non-Interest Burden | 1.73% | 1.84% | 1.90% | 1.87% | 1.79% | 1.94% | 2.10% | 1.86% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.72% | 2.82% | 4.08% | 4.85% | 4.90% | 4.70% | 1.63% | 5.69% | +83 bps | |
| Loan Growth (YoY) | -5.29% | -2.05% | -0.15% | 3.87% | 8.04% | 3.02% | -2.25% | -1.22% | -509 bps | |
| Deposit Growth (YoY) | 1.01% | -0.97% | 3.37% | 4.15% | 4.67% | 7.04% | 1.16% | 5.96% | +181 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.26% | 0.10% | 0.09% | 0.09% | 0.08% | 0.05% | 0.04% | -6 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.04% | -0.06% | 0.00% | 0.00% | 0.00% | -0.01% | -0.01% | -2 bps | |
| Allowance / Loans | 1.41% | 1.36% | 1.34% | 1.32% | 1.30% | 1.32% | 1.35% | 1.34% | +2 bps | |
| Allowance Coverage of NPLs | 5.1x | 5.2x | 13.8x | 14.2x | 14.2x | 17.3x | 29.1x | 37.8x | +23.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.97% | 10.37% | 10.11% | 10.19% | 10.11% | 10.60% | 10.46% | 10.14% | -5 bps | |
| Total Risk-Based Capital | 9.97% | 10.37% | 10.11% | 10.19% | 10.11% | 10.60% | 10.46% | 10.14% | -5 bps | |
| Equity / Assets | 10.04% | 9.78% | 9.57% | 9.70% | 10.29% | 10.80% | 10.02% | 9.59% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.17% | 54.53% | 51.54% | 50.17% | 51.79% | 52.49% | 49.80% | 46.76% | -340 bps | |
| Liquid Assets / Assets | 12.35% | 9.22% | 11.22% | 15.48% | 9.19% | 7.79% | 10.75% | 10.68% | -480 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 70.94% | 66.99% | 62.58% | n/a | n/a | |