Belgrade, MO · Cert 12208 · Turner Bancshares Inc.
State charter, Fed member · FED · 6 branches
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 1.34% | 1.41% | 1.57% | 1.54% | 1.33% | 1.48% | 1.58% | +1 bps | |
| Return on Equity | 18.21% | 17.36% | 17.83% | 19.71% | 18.96% | 16.19% | 17.28% | 18.15% | -156 bps | |
| Net Interest Margin | 3.89% | 3.86% | 3.87% | 3.86% | 3.85% | 3.82% | 3.96% | 4.04% | +18 bps | |
| Efficiency Ratio | 60.11% | 60.46% | 57.85% | 55.45% | 56.59% | 57.30% | 57.02% | 55.14% | -31 bps | |
| Non-Interest Burden | 2.02% | 2.02% | 1.92% | 1.80% | 1.85% | 1.86% | 1.93% | 1.89% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.31% | 9.41% | 9.87% | 12.28% | 10.77% | 13.62% | 9.41% | 7.95% | -432 bps | |
| Loan Growth (YoY) | 11.37% | 10.07% | 10.08% | 13.86% | 11.59% | 8.01% | 7.04% | 8.86% | -499 bps | |
| Deposit Growth (YoY) | 8.52% | 9.23% | 9.46% | 11.71% | 10.05% | 13.01% | 8.61% | 7.02% | -469 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.38% | 0.25% | 0.48% | 1.97% | 0.84% | 0.42% | 0.35% | -13 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.11% | 0.07% | 0.07% | 0.08% | 0.32% | 0.25% | 0.07% | +1 bps | |
| Allowance / Loans | 1.06% | 1.12% | 1.11% | 1.07% | 1.05% | 1.14% | 1.08% | 1.07% | 0 bps | |
| Allowance Coverage of NPLs | 6.6x | 3.0x | 4.5x | 2.2x | 0.5x | 1.4x | 2.6x | 3.0x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.41% | 9.46% | 9.66% | 9.64% | 9.76% | 9.66% | 9.81% | 10.13% | +49 bps | |
| Total Risk-Based Capital | 15.12% | 15.12% | 15.28% | 15.32% | 15.57% | 15.59% | 16.31% | 16.29% | +97 bps | |
| Equity / Assets | 7.91% | 7.86% | 7.99% | 8.08% | 8.52% | 8.49% | 8.69% | 8.95% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.21% | 82.77% | 81.26% | 81.81% | 81.33% | 79.11% | 80.08% | 83.22% | +141 bps | |
| Liquid Assets / Assets | 13.56% | 8.27% | 9.71% | 9.15% | 8.75% | 7.99% | 8.37% | 6.70% | -244 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 258% | 266% | 258% | n/a | n/a | |