Fredonia, KS · Cert 13798 · First Natl Bancshares Fredonia
National charter · OCC · 1 branch
Q2 2026
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 | 1.08% | 0.93% | 1.07% | 1.11% | 1.14% | 1.02% | 1.06% | 1.13% | +1 bps | |
| Return on Equity | 10.86% | 9.54% | 10.79% | 10.93% | 10.75% | 9.47% | 9.41% | 9.99% | -94 bps | |
| Net Interest Margin | 3.01% | 2.99% | 3.18% | 3.00% | 3.04% | 3.02% | 3.02% | 3.01% | +1 bps | |
| Efficiency Ratio | 60.51% | 65.72% | 61.15% | 60.05% | 58.93% | 62.88% | 61.39% | 59.23% | -81 bps | |
| Non-Interest Burden | 1.69% | 1.86% | 1.79% | 1.66% | 1.66% | 1.78% | 1.72% | 1.64% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.96% | -0.79% | 3.52% | 1.26% | -0.58% | 6.89% | 3.66% | 6.90% | +565 bps | |
| Loan Growth (YoY) | 4.02% | 1.26% | -3.38% | -8.12% | -9.78% | -2.59% | 1.85% | 1.85% | +997 bps | |
| Deposit Growth (YoY) | 11.99% | -0.64% | 1.97% | 0.23% | -1.35% | 4.37% | 2.99% | 6.34% | +612 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.63% | 0.62% | 0.63% | 0.69% | 0.43% | 1.02% | 0.75% | 0.63% | -7 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.08% | -0.13% | 0.30% | 0.72% | 0.44% | -1.10% | -0.47% | -76 bps | |
| Allowance / Loans | 2.84% | 3.01% | 3.18% | 3.08% | 2.74% | 2.70% | 2.96% | 2.96% | -12 bps | |
| Allowance Coverage of NPLs | 4.5x | 4.9x | 5.0x | 4.5x | 6.4x | 2.6x | 3.9x | 4.7x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.71% | 16.38% | 18.04% | 16.79% | 16.86% | 16.53% | 16.52% | 16.73% | -7 bps | |
| Total Risk-Based Capital | 16.71% | 16.38% | 18.04% | 16.79% | 16.86% | 16.53% | 16.52% | 16.73% | -7 bps | |
| Equity / Assets | 11.24% | 9.11% | 10.64% | 10.79% | 12.00% | 11.29% | 11.28% | 11.26% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.87% | 35.18% | 34.77% | 34.22% | 33.72% | 32.83% | 34.38% | 32.78% | -145 bps | |
| Liquid Assets / Assets | 8.18% | 10.41% | 7.19% | 5.56% | 6.62% | 10.97% | 5.03% | 7.96% | +240 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 18.45% | 18.48% | 18.72% | n/a | n/a | |