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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.54% | 0.43% | 0.65% | 0.37% | -6.30% | 0.77% | 1.16% | +51 bps | |
| Return on Equity | 1.49% | 2.42% | 1.86% | 2.69% | 1.63% | -30.29% | 3.88% | 5.92% | +323 bps | |
| Net Interest Margin | 4.47% | 5.04% | 4.61% | 4.87% | 4.79% | 5.14% | 4.99% | 5.21% | +34 bps | |
| Efficiency Ratio | 89.67% | 85.19% | 88.16% | 84.42% | 90.60% | 196.60% | 82.46% | 74.86% | -956 bps | |
| Non-Interest Burden | 3.86% | 4.11% | 3.92% | 3.92% | 4.29% | 11.26% | 4.02% | 3.74% | -18 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 | 0.03% | 0.00% | 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 | |