Tonganoxie, KS · Cert 14974 · Tonganoxie Bankshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.3% share · #32 of 114 inst. · $0.3B of $99.1B
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 | 0.72% | 0.79% | 0.60% | 0.95% | 1.00% | 1.10% | 1.12% | 1.23% | +28 bps | |
| Return on Equity | 9.09% | 9.89% | 7.66% | 11.97% | 12.08% | 12.68% | 13.17% | 14.79% | +282 bps | |
| Net Interest Margin | 3.60% | 3.86% | 3.75% | 4.02% | 4.07% | 4.14% | 4.08% | 4.18% | +15 bps | |
| Efficiency Ratio | 71.71% | 71.12% | 80.36% | 67.34% | 69.58% | 70.28% | 68.64% | 67.07% | -26 bps | |
| Non-Interest Burden | 2.28% | 2.48% | 2.87% | 2.39% | 2.50% | 2.59% | 2.51% | 2.48% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.64% | 4.81% | 5.81% | 2.77% | 1.96% | 1.97% | 4.93% | 5.63% | +286 bps | |
| Loan Growth (YoY) | 5.00% | 5.07% | 6.01% | 6.82% | 3.03% | 1.20% | -1.59% | -4.58% | -1,140 bps | |
| Deposit Growth (YoY) | 3.93% | 3.62% | 4.51% | 2.57% | 2.07% | 3.68% | 4.64% | 5.88% | +330 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.68% | 0.40% | 1.16% | 1.12% | 1.29% | 1.23% | 1.39% | 0.48% | -64 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | 0.45% | 0.00% | 0.11% | -0.01% | 0.18% | 0.71% | +71 bps | |
| Allowance / Loans | 1.12% | 1.23% | 1.14% | 1.26% | 1.36% | 1.42% | 1.45% | 1.34% | +8 bps | |
| Allowance Coverage of NPLs | 1.6x | 3.1x | 1.0x | 1.1x | 1.1x | 1.1x | 1.0x | 2.8x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.36% | 8.41% | 8.44% | 8.46% | 8.61% | 8.67% | 8.71% | 8.64% | +18 bps | |
| Total Risk-Based Capital | 11.75% | 11.70% | 11.85% | 11.76% | 12.46% | 12.56% | 12.92% | 13.36% | +159 bps | |
| Equity / Assets | 8.16% | 7.84% | 7.86% | 7.95% | 8.56% | 8.76% | 8.22% | 8.41% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.92% | 83.87% | 80.65% | 81.81% | 82.70% | 81.86% | 75.85% | 73.73% | -808 bps | |
| Liquid Assets / Assets | 0.94% | 1.23% | 1.35% | 1.59% | 0.78% | 0.48% | 6.10% | 3.98% | +239 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 467% | 448% | 430% | n/a | n/a | |