Buffalo Center, IA · Cert 14195 · Koss-Winn Bancshares Employee STK Ownership Plan With 401 K Provisions
State charter, Fed member · FED · 6 branches
Q2 2026
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 | 1.06% | 1.12% | 1.13% | 1.10% | 1.28% | +22 bps | |
| Return on Equity | 9.28% | 9.76% | 9.85% | 10.23% | 11.74% | +245 bps | |
| Net Interest Margin | 3.16% | 3.35% | 3.40% | 3.52% | 3.38% | +22 bps | |
| Efficiency Ratio | 61.33% | 60.61% | 61.25% | 62.82% | 59.83% | -150 bps | |
| Non-Interest Burden | 1.80% | 1.88% | 1.91% | 2.07% | 1.83% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.63% | 1.03% | 3.87% | 1.57% | 20.06% | +1,743 bps | |
| Loan Growth (YoY) | 1.93% | 0.57% | 1.40% | 2.29% | 15.31% | +1,339 bps | |
| Deposit Growth (YoY) | 3.59% | 2.32% | 2.37% | 3.94% | 24.59% | +2,100 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.77% | 0.02% | 0.09% | 0.10% | 0.06% | -71 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.04% | +3 bps | |
| Allowance / Loans | 1.61% | 1.65% | 1.62% | 1.59% | 1.51% | -11 bps | |
| Allowance Coverage of NPLs | 2.1x | 88.3x | 17.6x | 16.5x | 24.1x | +22.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.29% | 11.53% | 11.64% | 10.07% | 9.91% | -138 bps | |
| Total Risk-Based Capital | 11.29% | 11.53% | 11.64% | 10.07% | 9.91% | -138 bps | |
| Equity / Assets | 11.56% | 11.81% | 11.24% | 10.18% | 11.17% | -39 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 105.31% | 104.68% | 102.84% | 102.77% | 97.47% | -784 bps | |
| Liquid Assets / Assets | 0.04% | 0.10% | 0.04% | 0.15% | 0.31% | +27 bps | |
| CRE / Total Capital | n/a | 47.29% | 50.68% | 57.48% | n/a | n/a | |