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 | |