Bison, KS · Cert 14083 · Bison Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #79 of 114 inst. · $0.1B of $99.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.00% | -0.21% | -0.66% | -1.57% | 1.60% | 1.20% | 1.64% | 0.34% | +191 bps | |
| Return on Equity | -20.27% | -2.11% | -6.97% | -17.05% | 17.19% | 12.34% | 16.81% | 3.48% | +2,054 bps | |
| Net Interest Margin | 3.80% | 3.83% | 3.59% | 3.85% | 4.39% | 3.65% | 3.61% | 4.09% | +25 bps | |
| Efficiency Ratio | 79.11% | 95.21% | 111.56% | 89.89% | 73.95% | 82.62% | 78.42% | 93.28% | +339 bps | |
| Non-Interest Burden | 2.80% | 3.57% | 4.22% | 2.97% | 1.64% | 1.91% | 1.23% | 3.46% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 61.46% | 38.09% | 42.11% | 10.44% | 22.48% | 32.82% | 40.62% | 23.90% | +1,346 bps | |
| Loan Growth (YoY) | 52.74% | 13.28% | 29.60% | -1.69% | 20.00% | 48.89% | 53.57% | 38.40% | +4,009 bps | |
| Deposit Growth (YoY) | 75.14% | 49.32% | 34.33% | 17.51% | 11.54% | 17.17% | 20.14% | 8.80% | -871 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.58% | 2.29% | 2.12% | 0.77% | 0.81% | 0.70% | 0.12% | 0.32% | -45 bps | |
| Net Charge-Offs / Loans | -0.01% | 3.95% | 0.14% | 4.96% | 0.00% | 0.00% | -0.01% | 0.00% | -496 bps | |
| Allowance / Loans | 1.63% | 1.08% | 0.99% | 0.95% | 0.87% | 0.89% | 0.78% | 0.95% | 0 bps | |
| Allowance Coverage of NPLs | 2.8x | 0.5x | 0.5x | 1.2x | 1.1x | 1.3x | 6.3x | 3.0x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.54% | 9.29% | 9.61% | 9.19% | 10.03% | 9.80% | 9.90% | 10.26% | +107 bps | |
| Total Risk-Based Capital | 9.54% | 9.29% | 9.61% | 9.19% | 10.03% | 9.80% | 9.90% | 10.26% | +107 bps | |
| Equity / Assets | 9.61% | 9.95% | 8.93% | 9.46% | 9.13% | 10.30% | 9.25% | 10.62% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.71% | 79.35% | 90.51% | 78.69% | 101.90% | 100.83% | 115.70% | 100.10% | +2,141 bps | |
| Liquid Assets / Assets | 0.52% | 0.55% | 0.49% | 0.82% | 0.48% | 2.00% | 2.33% | 4.54% | +373 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 422% | 411% | 419% | n/a | n/a | |