Baxter Springs, KS · Cert 12432 · Baxter Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
86
Asset Quality
62
Profitability
52
Liquidity
56
Efficiency
20
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Baxter Springs, KS · Cert 12432 · Baxter Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Joplin, MO-KS · 2026 SOD (annual) · 0.4% share · #22 of 22 inst. · $0.0B of $4.9B
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% | 0.34% | 0.43% | 0.54% | 0.48% | -1.11% | 0.77% | 0.97% | +43 bps | |
| Return on Equity | 1.21% | 1.52% | 1.86% | 2.28% | 2.08% | -4.93% | 3.88% | 4.90% | +262 bps | |
| Net Interest Margin | 4.24% | 4.53% | 4.61% | 4.80% | 4.75% | 4.81% | 4.99% | 5.04% | +25 bps | |
| Efficiency Ratio | 90.29% | 88.90% | 88.16% | 86.24% | 87.71% | 119.08% | 82.46% | 78.51% | -773 bps | |
| Non-Interest Burden | 3.68% | 3.87% | 3.92% | 3.96% | 4.10% | 5.86% | 4.02% | 3.84% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.78% | 1.62% | -1.41% | -2.76% | -4.62% | -4.71% | 2.49% | 4.77% | +753 bps | |
| Loan Growth (YoY) | 10.27% | 5.77% | 1.43% | -0.02% | -0.77% | -2.22% | -0.87% | -6.65% | -663 bps | |
| Deposit Growth (YoY) | 2.71% | -1.23% | -0.02% | -2.01% | -1.16% | 4.73% | 12.89% | 16.29% | +1,831 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.28% | 2.37% | 3.34% | 2.27% | 3.49% | 1.88% | 0.50% | 1.11% | -116 bps | |
| Net Charge-Offs / Loans | 0.22% | 0.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.41% | 1.43% | 1.47% | 1.45% | 1.46% | 1.61% | 1.62% | 1.70% | +24 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.6x | 0.4x | 0.6x | 0.4x | 0.9x | 3.2x | 1.5x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.83% | 22.38% | 21.78% | 22.49% | 22.31% | 20.10% | 19.83% | 19.75% | -275 bps | |
| Total Risk-Based Capital | 21.83% | 22.38% | 21.78% | 22.49% | 22.31% | 20.10% | 19.83% | 19.75% | -275 bps | |
| Equity / Assets | 21.99% | 22.80% | 23.77% | 24.48% | 21.33% | 20.23% | 19.51% | 19.79% | -470 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.76% | 77.05% | 76.60% | 79.84% | 73.05% | 71.93% | 67.27% | 64.09% | -1,575 bps | |
| Liquid Assets / Assets | 6.26% | 6.83% | 8.39% | 3.49% | 4.12% | 4.27% | 4.09% | 4.08% | +58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 27.98% | 22.97% | 21.18% | n/a | n/a | |
Baxter Springs, KS · Cert 12432 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Baxter Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.96%
Rank 428 of 746
Net Interest Margin
5.04%
Rank 29 of 746
Efficiency Ratio
78.51%
Rank 597 of 746
Equity / Assets
19.79%
Rank 35 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.96% | 0.72% | 1.06% | 1.45% | Beats 43% | 428 / 746 | ||
| Return on Equity | 4.83% | 6.74% | 10.51% | 13.63% | Beats 17% | 619 / 746 | ||
| Net Interest Margin | 5.04% | 3.17% | 3.68% | 4.16% | Beats 96% | 29 / 746 | ||
| Efficiency Ratio | 78.51% | 55.74% | 64.58% | 75.47% | Beats 20% | 597 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.11% | 0.09% | 0.42% | 1.07% | Beats 24% | 567 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.75% | 11.55% | 13.75% | 17.60% | Beats 82% | 132 / 746 | ||
| Total Risk-Based Capital Ratio | 19.75% | 11.71% | 14.33% | 18.43% | Beats 80% | 147 / 746 | ||
| Equity / Assets | 19.79% | 8.90% | 10.51% | 13.06% | Beats 95% | 35 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.09% | 61.31% | 78.27% | 90.78% | 28th pctl | 539 / 746 | ||
| Loans / Assets | 49.01% | 53.60% | 66.97% | 76.08% | 20th pctl | 600 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||