Marysville, KS · Cert 14269 · Community Bancshares Marysville
State charter, non-member · FDIC · 4 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.64% | 1.63% | 2.05% | 1.85% | 1.72% | 1.68% | 1.70% | 1.80% | -5 bps | |
| Return on Equity | 22.18% | 22.27% | 28.04% | 25.10% | 22.84% | 22.07% | 21.58% | 22.92% | -218 bps | |
| Net Interest Margin | 3.38% | 3.34% | 3.44% | 3.48% | 3.38% | 3.39% | 3.52% | 3.57% | +9 bps | |
| Efficiency Ratio | 39.67% | 40.15% | 34.42% | 37.12% | 38.87% | 39.30% | 39.45% | 37.70% | +58 bps | |
| Non-Interest Burden | 1.23% | 1.22% | 0.75% | 1.03% | 1.11% | 1.16% | 1.29% | 1.24% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.38% | 3.95% | 2.78% | 4.97% | 2.48% | 3.50% | 6.20% | 6.04% | +107 bps | |
| Loan Growth (YoY) | 4.44% | 4.72% | 6.01% | 6.66% | 5.08% | 3.67% | 5.60% | 6.64% | -2 bps | |
| Deposit Growth (YoY) | 5.82% | 7.57% | 2.59% | 5.98% | 2.04% | 5.43% | 8.24% | 9.55% | +357 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.02% | 0.11% | 0.03% | 1.34% | 1.39% | 1.42% | 1.28% | +125 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | -0.01% | 0.00% | 0.00% | 0.00% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.27% | 1.23% | 1.28% | 1.27% | 1.32% | 1.30% | 1.31% | 1.27% | 0 bps | |
| Allowance Coverage of NPLs | 24.4x | 55.6x | 11.7x | 38.7x | 1.0x | 0.9x | 0.9x | 1.0x | -37.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.98% | 9.83% | 9.95% | 10.06% | 9.91% | 9.91% | 9.79% | 9.76% | -30 bps | |
| Total Risk-Based Capital | 9.98% | 9.83% | 9.95% | 10.06% | 9.91% | 9.91% | 9.79% | 9.76% | -30 bps | |
| Equity / Assets | 7.86% | 7.03% | 7.61% | 7.47% | 7.99% | 7.91% | 7.83% | 7.81% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.21% | 92.69% | 88.76% | 93.02% | 94.96% | 91.14% | 86.60% | 90.54% | -247 bps | |
| Liquid Assets / Assets | 0.51% | 0.50% | 0.25% | 0.26% | 0.27% | 0.25% | 0.19% | 0.19% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 138.43% | 141.48% | 138.06% | n/a | n/a | |