Weston, MO · Cert 1418 · Wilson Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Kansas City, MO-KS area (n=39 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
30
Profitability
74
Liquidity
91
Efficiency
77
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Weston, MO · Cert 1418 · Wilson Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #46 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 0.90% | 1.03% | 1.22% | 1.30% | 1.15% | 1.99% | 1.88% | +66 bps | |
| Return on Equity | 14.10% | 12.24% | 13.76% | 15.95% | 16.75% | 14.59% | 24.38% | 22.96% | +701 bps | |
| Net Interest Margin | 3.58% | 3.56% | 3.95% | 4.05% | 4.10% | 4.23% | 4.47% | 4.49% | +44 bps | |
| Efficiency Ratio | 60.54% | 65.17% | 62.92% | 59.40% | 57.26% | 56.53% | 52.44% | 51.65% | -775 bps | |
| Non-Interest Burden | 2.02% | 2.20% | 2.37% | 2.26% | 2.19% | 2.24% | 2.20% | 2.17% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.61% | 8.99% | 6.86% | 4.77% | 6.53% | 6.24% | 7.29% | 10.52% | +575 bps | |
| Loan Growth (YoY) | 9.28% | 13.32% | 12.08% | 10.44% | 7.19% | 6.52% | 6.71% | 5.96% | -448 bps | |
| Deposit Growth (YoY) | 2.89% | 1.27% | 6.48% | 6.17% | 5.90% | 8.33% | 6.61% | 10.08% | +391 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.02% | 0.42% | 0.86% | 0.58% | 0.91% | 0.51% | 0.90% | +4 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.06% | -0.03% | 0.11% | 0.33% | -0.08% | -0.02% | +1 bps | |
| Allowance / Loans | 1.17% | 1.17% | 1.23% | 1.27% | 1.29% | 1.26% | 1.29% | 1.29% | +1 bps | |
| Allowance Coverage of NPLs | 35.8x | 58.1x | 2.9x | 1.5x | 2.2x | 1.4x | 2.5x | 1.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.39% | 8.21% | 8.32% | 8.40% | 8.48% | 8.58% | 8.64% | 8.79% | +39 bps | |
| Total Risk-Based Capital | 12.92% | 12.62% | 12.62% | 12.73% | 13.19% | 12.88% | 13.54% | 13.78% | +105 bps | |
| Equity / Assets | 7.78% | 7.50% | 7.54% | 7.90% | 8.18% | 8.29% | 8.06% | 8.27% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.97% | 88.07% | 81.04% | 83.60% | 85.00% | 86.60% | 81.11% | 80.47% | -313 bps | |
| Liquid Assets / Assets | 1.09% | 0.85% | 3.31% | 1.15% | 0.48% | 0.37% | 4.03% | 5.54% | +439 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 474% | 500% | 487% | n/a | n/a | |
Weston, MO · Cert 1418 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Wilson Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.83%
Rank 11 of 40
Net Interest Margin
4.49%
Rank 15 of 40
Efficiency Ratio
51.65%
Rank 10 of 40
Equity / Assets
8.27%
Rank 32 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.83% | 1.02% | 1.39% | 1.86% | Beats 73% | 11 / 40 | ||
| Return on Equity | 22.09% | 10.74% | 14.78% | 21.32% | Beats 85% | 6 / 40 | ||
| Net Interest Margin | 4.49% | 3.33% | 4.05% | 4.63% | Beats 63% | 15 / 40 | ||
| Efficiency Ratio | 51.65% | 51.70% | 58.10% | 69.29% | Beats 77% | 10 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.90% | 0.05% | 0.20% | 1.11% | Beats 31% | 28 / 39 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.00% | 0.05% | Beats 28% | 29 / 39 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.53% | 11.32% | 12.27% | 16.94% | Beats 53% | 19 / 40 | ||
| Total Risk-Based Capital Ratio | 13.78% | 11.32% | 13.09% | 17.63% | Beats 60% | 16 / 40 | ||
| Equity / Assets | 8.27% | 8.41% | 10.10% | 12.34% | Beats 20% | 32 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.47% | 73.50% | 85.60% | 94.85% | 45th pctl | 22 / 40 | ||
| Loans / Assets | 73.60% | 62.75% | 69.87% | 79.23% | 55th pctl | 18 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||