Wellington, KS · Cert 12422 · SSB Holdings Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 0.2% share · #40 of 46 inst. · $0.0B of $23.2B
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 | 0.27% | 0.27% | 0.44% | 0.64% | 0.72% | 0.66% | 0.97% | 0.92% | +28 bps | |
| Return on Equity | 2.41% | 2.45% | 3.68% | 5.30% | 5.94% | 5.37% | 7.67% | 7.24% | +194 bps | |
| Net Interest Margin | 3.23% | 3.24% | 3.39% | 3.45% | 3.40% | 3.32% | 3.55% | 3.58% | +12 bps | |
| Efficiency Ratio | 81.57% | 83.60% | 85.45% | 78.70% | 76.19% | 78.56% | 68.67% | 69.64% | -907 bps | |
| Non-Interest Burden | 2.57% | 2.65% | 2.84% | 2.61% | 2.48% | 2.52% | 2.31% | 2.38% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.78% | -6.43% | -2.36% | -2.60% | 11.84% | 10.82% | 6.95% | 7.99% | +1,059 bps | |
| Loan Growth (YoY) | 3.39% | -2.54% | 13.50% | 6.20% | 8.60% | 8.84% | -4.30% | -12.48% | -1,868 bps | |
| Deposit Growth (YoY) | -4.66% | -5.50% | -3.62% | -4.69% | 12.30% | 9.92% | 6.03% | 7.62% | +1,231 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.62% | 1.66% | 1.44% | 1.42% | 2.82% | 1.33% | 1.34% | 1.44% | +2 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.01% | 0.04% | 0.01% | 0.01% | 0.01% | 0.00% | 0.03% | +2 bps | |
| Allowance / Loans | 2.75% | 2.86% | 2.59% | 2.64% | 2.56% | 2.65% | 2.75% | 3.00% | +36 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.7x | 1.8x | 1.9x | 0.9x | 2.0x | 2.0x | 2.1x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.68% | 15.45% | 15.57% | 15.95% | 15.54% | 14.47% | 15.15% | 15.56% | -39 bps | |
| Total Risk-Based Capital | 15.68% | 15.45% | 15.57% | 15.95% | 15.54% | 14.47% | 15.15% | 15.56% | -39 bps | |
| Equity / Assets | 12.92% | 11.58% | 12.12% | 12.63% | 12.38% | 12.37% | 12.89% | 13.00% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.00% | 42.45% | 46.18% | 46.93% | 43.52% | 42.03% | 41.68% | 38.17% | -876 bps | |
| Liquid Assets / Assets | 0.06% | 0.06% | 0.06% | 0.06% | 0.05% | 2.67% | 4.04% | 6.28% | +622 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 24.41% | 27.21% | 36.70% | n/a | n/a | |