Cameron, MO · Cert 13897 · FSC Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #53 of 114 inst. · $0.2B of $99.1B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.96% | 0.91% | 1.07% | 1.03% | +12 bps | |
| Return on Equity | 12.25% | 12.61% | 11.88% | 13.37% | 12.76% | +51 bps | |
| Net Interest Margin | 3.33% | 3.41% | 3.44% | 3.55% | 3.64% | +31 bps | |
| Efficiency Ratio | 69.17% | 68.02% | 69.61% | 65.01% | 64.89% | -427 bps | |
| Non-Interest Burden | 2.18% | 2.18% | 2.27% | 2.16% | 2.22% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.94% | 2.58% | 8.29% | 0.70% | 1.92% | -101 bps | |
| Loan Growth (YoY) | 1.24% | 1.60% | 1.39% | 0.25% | 2.97% | +173 bps | |
| Deposit Growth (YoY) | 2.56% | 0.83% | 7.10% | 0.80% | 2.15% | -41 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.47% | 0.50% | 0.53% | 0.50% | 0.51% | +3 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 0.62% | 0.62% | 0.62% | 0.63% | 0.62% | 0 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.2x | 1.2x | 1.3x | 1.2x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.56% | 8.77% | 8.85% | 8.91% | 9.03% | +47 bps | |
| Total Risk-Based Capital | 14.18% | 14.42% | 14.39% | 14.83% | 14.90% | +71 bps | |
| Equity / Assets | 7.60% | 8.07% | 7.88% | 8.19% | 8.27% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.61% | 90.36% | 84.01% | 85.92% | 88.31% | +70 bps | |
| Liquid Assets / Assets | 3.16% | 2.99% | 4.14% | 5.94% | 4.32% | +117 bps | |
| CRE / Total Capital | n/a | 162.37% | 169.63% | 173.10% | n/a | n/a | |