Goodland, KS · Cert 14420 · First Natl Bancshares Profit Sharing&Employee STK Ownership PLAN&TR
State charter, non-member · FDIC · 5 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 operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
16
Profitability
56
Liquidity
68
Efficiency
29
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.
Goodland, KS · Cert 14420 · First Natl Bancshares Profit Sharing&Employee STK Ownership PLAN&TR
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.0% share · #53 of 68 inst. · $0.1B of $113.6B
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 | 0.67% | 0.80% | 0.94% | 0.79% | 0.84% | 0.62% | 0.97% | 1.02% | +23 bps | |
| Return on Equity | 8.22% | 9.94% | 11.30% | 9.27% | 9.65% | 7.15% | 11.97% | 12.29% | +303 bps | |
| Net Interest Margin | 3.65% | 3.83% | 4.04% | 4.08% | 4.02% | 3.99% | 4.35% | 4.25% | +17 bps | |
| Efficiency Ratio | 78.33% | 75.03% | 72.60% | 73.87% | 73.92% | 73.41% | 69.76% | 70.99% | -288 bps | |
| Non-Interest Burden | 2.78% | 2.78% | 2.85% | 2.94% | 2.89% | 2.84% | 2.95% | 2.93% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.05% | 0.23% | 1.53% | -0.35% | -0.12% | 5.42% | 13.95% | 3.83% | +419 bps | |
| Loan Growth (YoY) | 5.17% | 5.11% | 8.30% | 7.28% | 8.85% | 8.09% | 4.71% | -4.34% | -1,162 bps | |
| Deposit Growth (YoY) | -8.80% | -1.86% | -1.57% | -1.83% | 1.56% | 4.37% | 15.76% | 11.24% | +1,306 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.82% | 2.86% | 3.08% | 2.89% | 3.76% | 6.11% | 5.25% | 4.03% | +114 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | -0.01% | 0.06% | 0.04% | 0.14% | 0.13% | 0.06% | +1 bps | |
| Allowance / Loans | 1.52% | 1.48% | 1.47% | 1.45% | 1.46% | 1.79% | 1.86% | 1.91% | +46 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.5x | 0.5x | 0.5x | 0.4x | 0.3x | 0.4x | 0.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.69% | 10.48% | 10.79% | 10.99% | 11.04% | 10.06% | 9.93% | 10.21% | -77 bps | |
| Total Risk-Based Capital | 15.80% | 15.11% | 15.53% | 14.95% | 15.30% | 13.71% | 14.62% | 15.46% | +51 bps | |
| Equity / Assets | 8.75% | 7.92% | 8.75% | 8.84% | 9.48% | 8.24% | 7.89% | 8.80% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.84% | 77.58% | 81.42% | 89.53% | 86.64% | 80.34% | 73.65% | 76.99% | -1,254 bps | |
| Liquid Assets / Assets | 1.37% | 2.53% | 1.25% | 1.22% | 1.42% | 1.82% | 8.04% | 2.02% | +80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 137.12% | 154.54% | 152.95% | n/a | n/a | |
Goodland, KS · Cert 14420 · Peer group: banks under $1B in assets operating regionally (n=94) · First Natl Bancshares Profit Sharing&Employee STK Ownership PLAN&TR
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
1.04%
Rank 57 of 94
Net Interest Margin
4.25%
Rank 21 of 94
Efficiency Ratio
70.99%
Rank 68 of 94
Equity / Assets
8.80%
Rank 75 of 94
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.04% | 0.82% | 1.19% | 1.46% | Beats 39% | 57 / 94 | ||
| Return on Equity | 11.87% | 7.85% | 11.84% | 14.03% | Beats 51% | 46 / 94 | ||
| Net Interest Margin | 4.25% | 3.42% | 3.81% | 4.18% | Beats 78% | 21 / 94 | ||
| Efficiency Ratio | 70.99% | 55.99% | 62.41% | 73.02% | Beats 29% | 68 / 94 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.03% | 0.19% | 0.47% | 1.14% | Beats 3% | 92 / 94 | ||
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.02% | 0.05% | Beats 29% | 68 / 94 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.21% | 10.28% | 11.95% | 15.07% | Beats 66% | 32 / 94 | ||
| Total Risk-Based Capital Ratio | 15.46% | 10.31% | 12.59% | 15.88% | Beats 68% | 30 / 94 | ||
| Equity / Assets | 8.80% | 8.98% | 10.21% | 11.41% | Beats 20% | 75 / 94 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.99% | 72.62% | 84.44% | 94.55% | 35th pctl | 61 / 94 | ||
| Loans / Assets | 66.94% | 62.50% | 72.84% | 78.99% | 33rd pctl | 63 / 94 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||