Fowler, KS · Cert 13450 · FSB Bankshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 1.25% | 0.94% | 1.14% | 1.11% | -9 bps | |
| Return on Equity | 12.90% | 12.59% | 9.27% | 12.14% | 12.25% | -65 bps | |
| Net Interest Margin | 4.04% | 4.13% | 3.94% | 3.69% | 3.78% | -26 bps | |
| Efficiency Ratio | 67.24% | 66.53% | 72.84% | 66.74% | 65.71% | -153 bps | |
| Non-Interest Burden | 2.61% | 2.65% | 2.79% | 2.39% | 2.41% | -20 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% | 0.38% | -0.04% | -0.12% | -12 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 | |