Kingman, KS · Cert 13157
FDIC · 4 branches
Q1 2025
Market Position · Wichita, KS · 2024 SOD (annual) · 0.3% share · #38 of 46 inst. · $0.1B of $21.9B
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19% | 0.27% | 0.31% | 0.34% | -4.60% | -480 bps | |
| Return on Equity | 2.46% | 3.49% | 3.90% | 4.21% | -57.11% | -5,957 bps | |
| Net Interest Margin | 2.47% | 2.60% | 2.69% | 2.83% | 3.12% | +64 bps | |
| Efficiency Ratio | 91.92% | 88.93% | 87.77% | 87.32% | 811% | +71,944 bps | |
| Non-Interest Burden | 2.22% | 2.25% | 2.29% | 2.39% | 7.64% | +542 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.18% | -0.17% | -3.10% | -7.09% | -5.32% | -515 bps | |
| Loan Growth (YoY) | 6.47% | -1.69% | -4.36% | -5.79% | -3.22% | -969 bps | |
| Deposit Growth (YoY) | -0.86% | 3.87% | -0.63% | -1.82% | -6.42% | -556 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.04% | 0.04% | 0.06% | 0.03% | -1 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.01% | 0.00% | 0.02% | +3 bps | |
| Allowance / Loans | 1.36% | 1.39% | 1.41% | 1.42% | 1.40% | +4 bps | |
| Allowance Coverage of NPLs | 35.3x | 35.3x | 34.8x | 22.0x | 48.3x | +12.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.00% | 9.11% | 9.33% | 9.58% | 8.50% | -50 bps | |
| Total Risk-Based Capital | 13.43% | 13.97% | 9.33% | 9.58% | 8.50% | -493 bps | |
| Equity / Assets | 7.76% | 7.86% | 8.67% | 8.66% | 7.47% | -29 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.35% | 78.73% | 80.16% | 82.08% | 82.06% | +271 bps | |
| Liquid Assets / Assets | 0.71% | 0.80% | 0.74% | 0.98% | 0.36% | -35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |