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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.22% | 0.24% | 0.19% | 0.35% | 0.39% | 0.43% | -4.60% | -480 bps | |
| Return on Equity | 5.29% | 3.05% | 3.28% | 2.46% | 4.53% | 4.75% | 5.00% | -57.11% | -5,957 bps | |
| Net Interest Margin | 3.29% | 2.80% | 2.67% | 2.47% | 2.70% | 2.82% | 3.00% | 3.12% | +64 bps | |
| Efficiency Ratio | 86.96% | 90.53% | 89.50% | 91.92% | 86.13% | 85.56% | 86.10% | 811% | +71,944 bps | |
| Non-Interest Burden | 2.79% | 2.48% | 2.31% | 2.22% | 2.25% | 2.33% | 2.49% | 7.64% | +542 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.12% | -2.19% | -1.68% | -0.18% | -0.17% | -3.10% | -7.09% | -5.32% | -515 bps | |
| Loan Growth (YoY) | 4.40% | 7.24% | 4.51% | 6.47% | -1.69% | -4.36% | -5.79% | -3.22% | -969 bps | |
| Deposit Growth (YoY) | -8.61% | -6.47% | -9.95% | -0.86% | 3.87% | -0.63% | -1.82% | -6.42% | -556 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.05% | 0.05% | 0.04% | 0.04% | 0.04% | 0.06% | 0.03% | -1 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | -0.01% | -0.01% | 0.01% | 0.01% | 0.00% | 0.02% | +3 bps | |
| Allowance / Loans | 1.33% | 1.33% | 1.34% | 1.36% | 1.39% | 1.41% | 1.42% | 1.40% | +4 bps | |
| Allowance Coverage of NPLs | 28.3x | 29.0x | 29.4x | 35.3x | 35.3x | 34.8x | 22.0x | 48.3x | +12.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.77% | 8.82% | 8.91% | 9.00% | 9.11% | 9.33% | 9.58% | 8.50% | -50 bps | |
| Total Risk-Based Capital | 13.09% | 13.36% | 13.07% | 13.43% | 13.97% | 9.33% | 9.58% | 8.50% | -493 bps | |
| Equity / Assets | 7.36% | 6.86% | 7.78% | 7.76% | 7.86% | 8.67% | 8.66% | 7.47% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.19% | 83.28% | 85.54% | 79.35% | 78.73% | 80.16% | 82.08% | 82.06% | +271 bps | |
| Liquid Assets / Assets | 1.89% | 1.19% | 0.78% | 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 | n/a | n/a | n/a |