Wilson, KS · Cert 12136 · Wilson Bancshares Inc.
State charter, non-member · FDIC · 4 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 0.82% | 0.92% | 0.87% | 1.06% | +11 bps | |
| Return on Equity | 12.94% | 10.54% | 11.10% | 10.55% | 12.88% | -5 bps | |
| Net Interest Margin | 3.53% | 3.59% | 3.71% | 3.57% | 3.68% | +14 bps | |
| Efficiency Ratio | 66.90% | 72.28% | 70.02% | 70.17% | 64.51% | -239 bps | |
| Non-Interest Burden | 2.26% | 2.52% | 2.51% | 2.42% | 2.28% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.83% | 1.40% | -0.27% | 4.07% | 0.77% | -106 bps | |
| Loan Growth (YoY) | 0.68% | 0.87% | 1.87% | -0.74% | 3.79% | +311 bps | |
| Deposit Growth (YoY) | 1.11% | 0.49% | -1.99% | 3.45% | 2.52% | +141 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.23% | 0.21% | 0.20% | 0.05% | 0.00% | -23 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.59% | 0.18% | +18 bps | |
| Allowance / Loans | 1.05% | 1.03% | 1.04% | 0.92% | 0.86% | -19 bps | |
| Allowance Coverage of NPLs | 4.5x | 5.0x | 5.2x | 19.8x | 247.3x | +242.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.20% | 9.18% | 9.37% | 9.28% | 9.48% | +28 bps | |
| Total Risk-Based Capital | 13.48% | 13.51% | 13.74% | 13.39% | 13.31% | -17 bps | |
| Equity / Assets | 7.51% | 8.07% | 8.45% | 7.99% | 8.50% | +99 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.15% | 81.99% | 84.27% | 76.40% | 80.13% | +98 bps | |
| Liquid Assets / Assets | 2.12% | 1.32% | 1.70% | 1.73% | 2.05% | -7 bps | |
| CRE / Total Capital | n/a | 0.37% | 1.86% | 1.30% | n/a | n/a | |