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 | |