Saint Paul, KS · Cert 14556 · Southeast KS Bancshares Inc.
State charter, non-member · FDIC · 3 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 in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
100
Profitability
77
Liquidity
62
Efficiency
78
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.
Saint Paul, KS · Cert 14556 · Southeast KS Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (4 in holding)
Q2 2026
Market Position · Joplin, MO-KS · 2026 SOD (annual) · 0.5% share · #21 of 22 inst. · $0.0B of $4.9B
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 | 0.82% | 0.87% | 1.07% | 1.15% | 1.21% | 1.26% | 1.53% | 1.59% | +44 bps | |
| Return on Equity | 7.94% | 8.46% | 10.41% | 11.07% | 11.54% | 11.86% | 13.64% | 14.05% | +299 bps | |
| Net Interest Margin | 3.12% | 3.05% | 3.37% | 3.43% | 3.49% | 3.61% | 4.13% | 4.19% | +76 bps | |
| Efficiency Ratio | 67.48% | 66.26% | 59.98% | 58.07% | 56.95% | 56.82% | 52.52% | 51.14% | -693 bps | |
| Non-Interest Burden | 2.03% | 1.94% | 1.94% | 1.91% | 1.90% | 1.97% | 2.08% | 2.04% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.96% | 6.80% | 8.81% | 5.84% | 5.58% | 3.03% | 3.11% | 2.41% | -343 bps | |
| Loan Growth (YoY) | 11.61% | 11.76% | 11.76% | 9.22% | 10.13% | 15.07% | 16.68% | 15.95% | +673 bps | |
| Deposit Growth (YoY) | 8.94% | 7.37% | 10.29% | 11.35% | 5.85% | 2.28% | 2.34% | 0.88% | -1,047 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.13% | 0.11% | 0.06% | 0.00% | 0.01% | 0.03% | 0.00% | -6 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | 0.00% | 0.06% | 0.07% | 0.05% | 0.00% | 0.00% | -6 bps | |
| Allowance / Loans | 1.42% | 1.44% | 1.44% | 1.39% | 1.31% | 1.27% | 1.28% | 1.31% | -9 bps | |
| Allowance Coverage of NPLs | 10.7x | 10.9x | 13.1x | 24.3x | n/a | 93.1x | 48.3x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.46% | 10.18% | 10.41% | 10.63% | 10.75% | 10.99% | 11.29% | 11.59% | +96 bps | |
| Total Risk-Based Capital | 10.46% | 10.18% | 10.41% | 10.63% | 10.75% | 10.99% | 11.29% | 11.59% | +96 bps | |
| Equity / Assets | 10.25% | 10.23% | 10.41% | 10.59% | 10.75% | 11.05% | 11.30% | 11.64% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.44% | 66.57% | 67.13% | 67.88% | 71.21% | 74.89% | 76.54% | 78.02% | +1,014 bps | |
| Liquid Assets / Assets | 35.00% | 33.81% | 33.37% | 33.36% | 33.20% | 30.46% | 28.41% | 28.47% | -489 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 66.47% | 63.31% | 58.43% | n/a | n/a | |
Saint Paul, KS · Cert 14556 · Peer group: banks under $1B in assets in KS (n=98) · Southeast KS Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (4 in holding)
Q2 2026
Return on Assets
1.59%
Rank 20 of 98
Net Interest Margin
4.19%
Rank 19 of 98
Efficiency Ratio
51.14%
Rank 23 of 98
Equity / Assets
11.64%
Rank 44 of 98
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.59% | 1.03% | 1.24% | 1.54% | Beats 80% | 20 / 98 | ||
| Return on Equity | 13.62% | 8.85% | 11.58% | 14.73% | Beats 70% | 29 / 98 | ||
| Net Interest Margin | 4.19% | 3.24% | 3.62% | 3.91% | Beats 81% | 19 / 98 | ||
| Efficiency Ratio | 51.14% | 51.87% | 58.88% | 64.74% | Beats 78% | 23 / 98 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.33% | 1.05% | Beats 100% | 17 / 98 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.59% | 11.81% | 13.71% | 17.33% | Beats 19% | 79 / 98 | ||
| Total Risk-Based Capital Ratio | 11.59% | 11.81% | 14.13% | 17.45% | Beats 19% | 79 / 98 | ||
| Equity / Assets | 11.64% | 8.60% | 11.34% | 13.10% | Beats 55% | 44 / 98 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.02% | 57.09% | 69.84% | 82.47% | 65th pctl | 34 / 98 | ||
| Loans / Assets | 65.46% | 49.34% | 58.31% | 68.94% | 63rd pctl | 36 / 98 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||