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 |