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 (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 | 0.89% | 1.02% | 1.07% | 1.23% | 1.33% | 1.39% | 1.53% | 1.66% | +43 bps | |
| Return on Equity | 8.72% | 9.99% | 10.41% | 11.72% | 12.45% | 12.77% | 13.64% | 14.46% | +274 bps | |
| Net Interest Margin | 3.21% | 3.30% | 3.37% | 3.52% | 3.72% | 4.04% | 4.13% | 4.28% | +76 bps | |
| Efficiency Ratio | 64.10% | 63.06% | 59.98% | 56.26% | 54.91% | 56.48% | 52.52% | 49.83% | -642 bps | |
| Non-Interest Burden | 1.98% | 1.95% | 1.94% | 1.89% | 1.96% | 2.20% | 2.08% | 2.02% | +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% | -0.01% | 0.00% | 0.13% | 0.09% | 0.00% | 0.00% | 0.00% | -13 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 | |