Mound City, KS · Cert 14024 · Cunningham Agency Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #89 of 114 inst. · $0.1B 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 | 0.88% | 0.90% | 0.85% | 0.92% | 0.99% | +11 bps | |
| Return on Equity | 14.06% | 14.31% | 13.30% | 14.18% | 15.42% | +135 bps | |
| Net Interest Margin | 3.51% | 3.54% | 3.53% | 3.41% | 3.28% | -24 bps | |
| Efficiency Ratio | 70.26% | 69.61% | 71.67% | 68.57% | 66.35% | -391 bps | |
| Non-Interest Burden | 2.43% | 2.42% | 2.49% | 2.30% | 2.12% | -31 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.94% | 9.11% | 1.10% | 8.92% | 5.81% | -413 bps | |
| Loan Growth (YoY) | 3.93% | 2.45% | -0.79% | -2.75% | -4.73% | -866 bps | |
| Deposit Growth (YoY) | 10.27% | 10.05% | 1.31% | 9.77% | 6.16% | -412 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.82% | 0.60% | 0.05% | 0.70% | 0.12% | -70 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.06% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.17% | 1.18% | 1.14% | 1.17% | 1.17% | 0 bps | |
| Allowance Coverage of NPLs | 1.4x | 2.0x | 22.6x | 1.7x | 9.8x | +8.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 6.20% | 6.33% | 6.41% | 6.26% | 6.06% | -14 bps | |
| Total Risk-Based Capital | 13.35% | 13.40% | 13.96% | 14.35% | 14.88% | +153 bps | |
| Equity / Assets | 6.06% | 6.34% | 6.73% | 6.29% | 6.23% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.14% | 69.25% | 71.56% | 63.70% | 61.15% | -699 bps | |
| Liquid Assets / Assets | 27.09% | 25.79% | 26.11% | 33.92% | 30.21% | +312 bps | |
| CRE / Total Capital | n/a | 118.54% | 120.32% | 119.49% | n/a | n/a | |