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 | |