McPherson, KS · Cert 1365 · PBT Bancshares Inc.
State charter, non-member · FDIC · 21 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
16
Profitability
33
Liquidity
58
Efficiency
65
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.
McPherson, KS · Cert 1365 · PBT Bancshares Inc.
State charter, non-member · FDIC · 21 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 0.9% share · #19 of 46 inst. · $0.2B of $23.2B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.02% | 1.09% | 0.82% | 1.03% | 1.12% | 1.27% | 0.84% | +1 bps | |
| Return on Equity | 15.97% | 13.32% | 14.03% | 10.37% | 12.63% | 13.31% | 13.79% | 9.01% | -137 bps | |
| Net Interest Margin | 2.75% | 2.75% | 3.07% | 2.90% | 3.03% | 3.10% | 3.54% | 3.60% | +69 bps | |
| Efficiency Ratio | 58.64% | 59.03% | 60.31% | 59.36% | 57.98% | 57.36% | 53.00% | 52.18% | -718 bps | |
| Non-Interest Burden | 1.14% | 1.16% | 1.41% | 1.33% | 1.36% | 1.39% | 1.48% | 1.45% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.61% | 9.63% | 11.23% | 29.35% | 28.78% | 26.90% | 27.33% | 3.83% | -2,552 bps | |
| Loan Growth (YoY) | 13.29% | 15.63% | 19.29% | 41.16% | 39.60% | 34.05% | 30.20% | 3.40% | -3,776 bps | |
| Deposit Growth (YoY) | 5.83% | 6.31% | 15.08% | 44.69% | 48.37% | 45.31% | 36.28% | 7.81% | -3,687 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.37% | 0.51% | 0.45% | 0.45% | 0.91% | 1.01% | 0.92% | +47 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.08% | 0.01% | 0.01% | 0.04% | 0.13% | 0.51% | 0.61% | +60 bps | |
| Allowance / Loans | 1.07% | 1.25% | 1.29% | 1.40% | 1.41% | 1.45% | 1.45% | 1.74% | +34 bps | |
| Allowance Coverage of NPLs | 2.6x | 3.3x | 2.5x | 3.1x | 3.1x | 1.6x | 1.4x | 1.9x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.44% | 9.32% | 9.58% | 8.62% | 8.74% | 8.92% | 9.18% | 9.27% | +65 bps | |
| Total Risk-Based Capital | 12.20% | 12.00% | 12.13% | 11.30% | 11.58% | 11.84% | 12.18% | 12.30% | +100 bps | |
| Equity / Assets | 8.24% | 7.54% | 7.98% | 8.22% | 8.79% | 9.14% | 9.35% | 9.39% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.54% | 86.72% | 80.71% | 80.29% | 80.48% | 80.00% | 77.11% | 77.00% | -329 bps | |
| Liquid Assets / Assets | 5.47% | 4.73% | 2.10% | 3.36% | 3.30% | 3.18% | 3.37% | 3.63% | +27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 300% | 298% | 294% | n/a | n/a | |
McPherson, KS · Cert 1365 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · PBT Bancshares Inc.
State charter, non-member · FDIC · 21 branches
Q2 2026
Return on Assets
0.84%
Rank 208 of 258
Net Interest Margin
3.60%
Rank 108 of 258
Efficiency Ratio
54.87%
Rank 90 of 257
Equity / Assets
9.39%
Rank 178 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.84% | 0.93% | 1.23% | 1.54% | Beats 19% | 208 / 258 | ||
| Return on Equity | 8.91% | 9.26% | 11.84% | 14.74% | Beats 22% | 200 / 258 | ||
| Net Interest Margin | 3.60% | 3.16% | 3.49% | 3.88% | Beats 58% | 108 / 258 | ||
| Efficiency Ratio | 54.87% | 51.71% | 60.30% | 69.65% | Beats 65% | 90 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.92% | 0.19% | 0.46% | 0.90% | Beats 25% | 195 / 258 | ||
| Net Charge-Offs / Loans | 0.34% | 0.01% | 0.02% | 0.07% | Beats 6% | 244 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.05% | 11.41% | 12.98% | 15.12% | Beats 22% | 201 / 258 | ||
| Total Risk-Based Capital Ratio | 12.30% | 12.10% | 13.91% | 16.08% | Beats 29% | 183 / 258 | ||
| Equity / Assets | 9.39% | 9.09% | 10.24% | 11.72% | Beats 31% | 178 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.00% | 73.24% | 86.34% | 95.95% | 32nd pctl | 175 / 258 | ||
| Loans / Assets | 67.52% | 63.01% | 72.27% | 78.40% | 33rd pctl | 173 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||