Fowler, KS · Cert 13450 · FSB Bankshares Inc.
State charter, non-member · FDIC · 4 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 | 1.01% | 1.09% | 1.05% | 1.14% | 1.13% | +12 bps | |
| Return on Equity | 11.02% | 11.54% | 10.96% | 12.14% | 12.08% | +105 bps | |
| Net Interest Margin | 4.02% | 3.99% | 3.88% | 3.69% | 3.72% | -31 bps | |
| Efficiency Ratio | 70.76% | 69.30% | 70.20% | 66.74% | 66.21% | -455 bps | |
| Non-Interest Burden | 2.76% | 2.67% | 2.63% | 2.39% | 2.39% | -36 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.17% | 7.23% | 13.97% | 14.30% | 19.03% | +1,486 bps | |
| Loan Growth (YoY) | 4.60% | 4.05% | 15.59% | 7.15% | 8.45% | +385 bps | |
| Deposit Growth (YoY) | 2.22% | 6.01% | 12.80% | 14.49% | 19.88% | +1,766 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.09% | -0.04% | -0.08% | -8 bps | |
| Allowance / Loans | 1.25% | 1.22% | 1.03% | 1.12% | 1.10% | -16 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.07% | 11.16% | 11.05% | 10.07% | 10.33% | -74 bps | |
| Total Risk-Based Capital | 25.56% | 24.01% | 24.38% | 24.88% | 26.34% | +78 bps | |
| Equity / Assets | 9.66% | 10.26% | 9.99% | 8.86% | 9.22% | -43 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 40.58% | 40.88% | 40.97% | 34.95% | 36.71% | -387 bps | |
| Liquid Assets / Assets | 5.54% | 0.58% | 1.70% | 2.25% | 2.09% | -345 bps | |
| CRE / Total Capital | n/a | 38.97% | 39.24% | 38.95% | n/a | n/a | |