Lyndon, KS · Cert 12135 · CMJR Investments Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Topeka, KS · 2026 SOD (annual) · 1.2% share · #17 of 30 inst. · $0.1B of $7.1B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.83% | 0.82% | 1.55% | 1.44% | +75 bps | |
| Return on Equity | 8.01% | 9.56% | 9.30% | 16.91% | 15.89% | +788 bps | |
| Net Interest Margin | 4.21% | 4.25% | 4.32% | 4.61% | 4.45% | +24 bps | |
| Efficiency Ratio | 81.20% | 77.65% | 78.26% | 58.75% | 62.25% | -1,895 bps | |
| Non-Interest Burden | 3.32% | 3.19% | 3.27% | 2.61% | 2.64% | -68 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.54% | 6.30% | 2.40% | 9.98% | 10.76% | +522 bps | |
| Loan Growth (YoY) | 9.42% | 9.07% | 7.78% | 12.26% | 12.16% | +274 bps | |
| Deposit Growth (YoY) | 4.69% | 4.57% | -1.05% | 1.86% | 6.32% | +163 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.61% | 0.67% | 0.46% | 0.33% | 0.28% | -32 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.04% | 0.02% | +2 bps | |
| Allowance / Loans | 0.92% | 0.93% | 0.92% | 0.85% | 0.83% | -10 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.4x | 2.0x | 2.6x | 2.9x | +1.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.50% | 9.57% | 9.79% | 9.91% | 9.51% | +1 bps | |
| Total Risk-Based Capital | 13.62% | 14.12% | 14.07% | 13.67% | 13.37% | -26 bps | |
| Equity / Assets | 8.71% | 9.04% | 9.28% | 9.03% | 8.95% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 109.02% | 109.82% | 114.61% | 114.07% | 115.00% | +598 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | 82.87% | 79.99% | 77.87% | n/a | n/a | |