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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 1.20% | 0.94% | 0.64% | 0.95% | -0.08% | 0.97% | 1.06% | +41 bps | |
| Return on Equity | 8.40% | 14.40% | 11.30% | 7.32% | 10.40% | -0.85% | 11.97% | 12.71% | +539 bps | |
| Net Interest Margin | 3.77% | 4.27% | 4.04% | 4.12% | 4.06% | 3.97% | 4.35% | 4.17% | +5 bps | |
| Efficiency Ratio | 77.54% | 66.50% | 72.60% | 75.11% | 74.02% | 71.88% | 69.76% | 72.25% | -286 bps | |
| Non-Interest Burden | 2.85% | 2.71% | 2.85% | 3.02% | 2.92% | 2.74% | 2.95% | 2.93% | -9 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 | 0.01% | -0.02% | -0.01% | 0.12% | 0.00% | 0.43% | 0.13% | 0.00% | -12 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 | |