Basin, WY · Cert 12592 · Financial Security Corp.
State charter, Fed member · FED · 5 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | 0.40% | 0.45% | 0.53% | 0.56% | +26 bps | |
| Return on Equity | 4.07% | 5.37% | 5.76% | 6.18% | 6.43% | +236 bps | |
| Net Interest Margin | 2.57% | 2.61% | 2.58% | 2.84% | 2.93% | +35 bps | |
| Efficiency Ratio | 86.72% | 83.53% | 82.00% | 81.00% | 78.23% | -849 bps | |
| Non-Interest Burden | 2.18% | 2.11% | 2.04% | 2.21% | 2.18% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.55% | 0.78% | 2.49% | -2.45% | 4.13% | +568 bps | |
| Loan Growth (YoY) | 12.07% | 9.82% | 4.16% | 7.34% | 15.48% | +341 bps | |
| Deposit Growth (YoY) | 5.44% | 10.73% | 2.54% | -2.66% | 0.70% | -474 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.12% | 0.11% | 0.24% | 0.22% | +13 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.02% | +2 bps | |
| Allowance / Loans | 1.41% | 1.35% | 1.42% | 1.38% | 1.31% | -10 bps | |
| Allowance Coverage of NPLs | 15.3x | 11.4x | 13.2x | 5.9x | 5.9x | -9.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.21% | 10.21% | 10.04% | 10.43% | 10.44% | +23 bps | |
| Total Risk-Based Capital | 18.29% | 18.07% | 19.33% | 18.63% | 17.37% | -92 bps | |
| Equity / Assets | 7.84% | 8.12% | 8.68% | 8.63% | 8.60% | +75 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.79% | 59.26% | 57.90% | 61.16% | 68.56% | +877 bps | |
| Liquid Assets / Assets | 3.84% | 5.36% | 6.68% | 4.19% | 3.29% | -55 bps | |
| CRE / Total Capital | n/a | 193.57% | 190.46% | 192.38% | n/a | n/a | |