Tampa, KS · Cert 13584
FDIC · 2 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in KS (n=99). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
70
Profitability
2
Liquidity
29
Efficiency
1
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Tampa, KS · Cert 13584
FDIC · 2 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.29% | 0.47% | 0.08% | -0.22% | 0.34% | 0.29% | -8.45% | -853 bps | |
| Return on Equity | 12.94% | 12.34% | 21.73% | 3.06% | -9.23% | 15.06% | 11.64% | -315% | -31,837 bps | |
| Net Interest Margin | 2.77% | 2.38% | 2.52% | 2.47% | 2.48% | 2.46% | 2.49% | 2.62% | +14 bps | |
| Efficiency Ratio | 75.39% | 86.40% | 79.14% | 82.24% | 78.31% | 84.82% | 86.62% | 96.00% | +1,375 bps | |
| Non-Interest Burden | 1.93% | 1.98% | 1.90% | 1.95% | 1.80% | 2.03% | 2.11% | 2.49% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.32% | -5.30% | -6.88% | -2.57% | -2.78% | -2.53% | -7.83% | -7.03% | -446 bps | |
| Loan Growth (YoY) | -0.51% | -1.94% | -9.06% | -12.31% | -10.54% | -19.08% | -24.88% | -12.30% | 0 bps | |
| Deposit Growth (YoY) | -15.23% | -15.80% | -17.24% | -4.24% | 8.18% | 4.85% | 7.48% | -5.02% | -78 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.64% | 3.42% | 3.36% | 0.10% | 0.07% | 0.08% | 0.08% | 0.00% | -10 bps | |
| Net Charge-Offs / Loans | 0.95% | 1.10% | 0.61% | 2.76% | 2.24% | 0.10% | 0.04% | 0.02% | -274 bps | |
| Allowance / Loans | 2.23% | 1.98% | 1.92% | 1.08% | 2.14% | 2.36% | 2.52% | 2.44% | +136 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.6x | 10.8x | 29.0x | 28.7x | 33.1x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.05% | 9.08% | 9.39% | 9.27% | 9.04% | 9.11% | 9.41% | 3.09% | -617 bps | |
| Total Risk-Based Capital | 14.56% | 16.04% | 15.32% | 14.27% | 15.85% | 16.73% | 17.98% | 7.99% | -628 bps | |
| Equity / Assets | 2.53% | 2.11% | 1.88% | 3.41% | 2.04% | 2.44% | 3.16% | 3.15% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.17% | 69.17% | 74.86% | 59.33% | 57.20% | 53.38% | 52.32% | 54.78% | -455 bps | |
| Liquid Assets / Assets | 2.30% | 1.62% | 1.84% | 1.67% | 10.14% | 10.48% | 8.48% | 8.28% | +661 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 84.66% | n/a | n/a |
Tampa, KS · Cert 13584 · Peer group: banks under $1B in assets in KS (n=99)
FDIC · 2 branches
Q3 2025
Return on Assets
-8.80%
Rank 99 of 99
Net Interest Margin
2.62%
Rank 94 of 99
Efficiency Ratio
96.00%
Rank 99 of 99
Equity / Assets
3.15%
Rank 99 of 99
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -8.80% | 0.87% | 1.13% | 1.43% | Beats 0% | 99 / 99 | ||
| Return on Equity | -279% | 7.87% | 10.19% | 12.93% | Beats 0% | 99 / 99 | ||
| Net Interest Margin | 2.62% | 3.10% | 3.38% | 3.79% | Beats 5% | 94 / 99 | ||
| Efficiency Ratio | 96.00% | 54.83% | 62.08% | 66.71% | Beats 1% | 99 / 99 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.41% | 0.89% | Beats 100% | 19 / 99 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.02% | 0.06% | Beats 39% | 61 / 99 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 6.73% | 11.56% | 13.82% | 17.97% | Beats 0% | 99 / 99 | ||
| Total Risk-Based Capital Ratio | 7.99% | 11.94% | 14.12% | 18.26% | Beats 0% | 99 / 99 | ||
| Equity / Assets | 3.15% | 8.30% | 10.85% | 13.75% | Beats 0% | 99 / 99 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.78% | 54.78% | 71.78% | 83.78% | 24th pctl | 75 / 99 | ||
| Loans / Assets | 44.81% | 48.58% | 60.54% | 67.75% | 15th pctl | 84 / 99 | ||
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 2.62% | Beats 100% | 66 / 99 | n/a | |