Parsons, KS · Cert 11777
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 0.81% | 1.62% | 1.20% | 1.90% | 1.86% | 0.77% | 0.58% | -62 bps | |
| Return on Equity | 16.58% | 11.08% | 24.16% | 17.83% | 25.89% | 22.77% | 9.79% | 8.18% | -965 bps | |
| Net Interest Margin | 2.79% | 2.82% | 3.03% | 3.09% | 3.20% | 3.20% | 3.14% | 3.36% | +26 bps | |
| Efficiency Ratio | 71.86% | 73.91% | 65.07% | 69.12% | 59.35% | 63.73% | 68.63% | 73.14% | +402 bps | |
| Non-Interest Burden | 1.71% | 1.81% | 1.56% | 1.86% | 1.13% | 1.65% | 1.84% | 2.36% | +50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.19% | 1.48% | 6.61% | 4.28% | 2.33% | 4.90% | 3.30% | 4.38% | +10 bps | |
| Loan Growth (YoY) | 0.61% | -2.39% | -0.63% | -3.19% | -2.35% | 1.68% | 3.73% | 2.53% | +572 bps | |
| Deposit Growth (YoY) | -2.93% | 1.29% | 6.58% | 3.87% | 5.62% | 2.96% | 2.48% | 4.36% | +49 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.06% | 1.95% | 1.90% | 1.03% | 0.89% | 0.82% | 0.71% | 0.72% | -31 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.09% | 0.02% | 0.05% | 0.04% | 0.55% | 0.00% | 0.01% | -4 bps | |
| Allowance / Loans | 1.40% | 1.42% | 1.36% | 1.36% | 1.37% | 1.26% | 1.30% | 1.33% | -3 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.7x | 1.3x | 1.5x | 1.5x | 1.8x | 1.9x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.14% | 9.73% | 9.27% | 8.82% | 9.62% | 9.97% | 9.20% | 8.33% | -49 bps | |
| Total Risk-Based Capital | 18.45% | 18.53% | 18.07% | 17.48% | 18.26% | 19.20% | 17.53% | 17.45% | -4 bps | |
| Equity / Assets | 7.89% | 6.72% | 6.70% | 6.73% | 7.96% | 8.34% | 7.36% | 6.78% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.49% | 50.86% | 49.35% | 50.29% | 52.23% | 50.23% | 49.95% | 49.41% | -88 bps | |
| Liquid Assets / Assets | 2.04% | 7.76% | 8.16% | 5.11% | 3.89% | 5.25% | 5.34% | 3.07% | -204 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 65.78% | 64.51% | 74.80% | n/a | n/a | |