Topeka, KS · Cert 1150
FDIC · 2 branches
Q2 2025
Market Position · Topeka, KS · 2025 SOD (annual) · 1.8% share · #12 of 32 inst. · $0.1B of $6.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.42% | 0.95% | 0.99% | 1.33% | 0.98% | 0.79% | -2.17% | 1.26% | -8 bps | |
| Return on Equity | -6.09% | 13.31% | 13.35% | 17.30% | 11.92% | 9.16% | -25.01% | 14.00% | -330 bps | |
| Net Interest Margin | 3.01% | 3.41% | 3.26% | 3.45% | 3.27% | 3.49% | 3.50% | 4.08% | +64 bps | |
| Efficiency Ratio | 76.56% | 67.11% | 64.89% | 62.75% | 65.42% | 69.65% | 64.95% | 67.12% | +437 bps | |
| Non-Interest Burden | 2.22% | 2.18% | 1.98% | 2.03% | 2.00% | 2.33% | 2.16% | 2.65% | +63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.06% | 2.69% | 1.17% | -0.60% | 4.16% | -7.62% | -1.59% | -6.34% | -574 bps | |
| Loan Growth (YoY) | -0.67% | -5.45% | -1.43% | -1.01% | 2.84% | 2.08% | -3.92% | -0.15% | +86 bps | |
| Deposit Growth (YoY) | -1.47% | 0.47% | -4.30% | -9.59% | -5.69% | -13.67% | -6.60% | -8.78% | +81 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.02% | 0.02% | 0.01% | 0.01% | 0.01% | 1.75% | 0.04% | +3 bps | |
| Net Charge-Offs / Loans | 0.31% | -0.02% | 0.03% | -0.38% | 0.05% | 0.52% | -0.16% | 0.21% | +59 bps | |
| Allowance / Loans | 1.37% | 1.38% | 1.31% | 1.28% | 1.26% | 1.25% | 1.43% | 1.23% | -5 bps | |
| Allowance Coverage of NPLs | 45.5x | 76.3x | 56.8x | 145.7x | 86.5x | 94.1x | 0.8x | 33.6x | -112.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.92% | 8.81% | 8.76% | 8.87% | 9.37% | 9.19% | 8.69% | 9.35% | +48 bps | |
| Total Risk-Based Capital | 18.32% | 18.49% | 18.62% | 19.50% | 19.97% | 20.45% | 20.24% | 20.40% | +90 bps | |
| Equity / Assets | 6.98% | 7.30% | 7.54% | 7.87% | 8.48% | 8.80% | 8.58% | 9.38% | +151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.45% | 47.70% | 52.01% | 53.65% | 55.01% | 56.41% | 53.50% | 58.73% | +508 bps | |
| Liquid Assets / Assets | 24.31% | 26.03% | 25.01% | 24.39% | 27.29% | 21.17% | 34.11% | 35.24% | +1,085 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |