Spearville, KS · Cert 12139
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 0.74% | 0.66% | 0.68% | 0.81% | 0.89% | +15 bps | |
| Return on Equity | 10.08% | 8.76% | 8.67% | 9.24% | 10.04% | -4 bps | |
| Net Interest Margin | 2.75% | 2.76% | 2.80% | 3.11% | 3.26% | +51 bps | |
| Efficiency Ratio | 66.93% | 68.55% | 68.16% | 64.86% | 63.47% | -346 bps | |
| Non-Interest Burden | 1.79% | 1.85% | 1.86% | 1.96% | 2.01% | +22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.49% | 7.56% | 2.98% | -0.57% | -4.49% | -1,298 bps | |
| Loan Growth (YoY) | 20.48% | 17.87% | 6.83% | 3.42% | -0.54% | -2,102 bps | |
| Deposit Growth (YoY) | 1.26% | 5.33% | 1.74% | 7.95% | 9.69% | +842 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.23% | 0.00% | 0.07% | 0.44% | +44 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.07% | 0.05% | 0.00% | 0.00% | -7 bps | |
| Allowance / Loans | 0.98% | 1.03% | 1.10% | 1.18% | 1.15% | +17 bps | |
| Allowance Coverage of NPLs | n/a | 4.5x | n/a | 15.7x | 2.6x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.21% | 10.41% | 10.50% | 10.80% | 11.17% | +96 bps | |
| Total Risk-Based Capital | 16.45% | 10.41% | 10.50% | 17.70% | 17.43% | +98 bps | |
| Equity / Assets | 7.62% | 8.30% | 8.64% | 8.85% | 9.06% | +144 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.80% | 63.23% | 63.35% | 55.18% | 57.85% | -595 bps | |
| Liquid Assets / Assets | 0.80% | 0.81% | 0.80% | 0.83% | 0.84% | +4 bps | |
| CRE / Total Capital | n/a | 40.56% | 39.22% | 39.40% | n/a | n/a | |