Olsburg, KS · Cert 15098
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Manhattan, KS · 2026 SOD (annual) · 0.9% share · #17 of 22 inst. · $0.0B of $4.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 1.08% | 0.56% | 1.09% | 1.32% | +10 bps | |
| Return on Equity | 10.84% | 9.06% | 4.69% | 9.33% | 11.50% | +66 bps | |
| Net Interest Margin | 3.12% | 3.11% | 3.09% | 3.21% | 3.13% | +1 bps | |
| Efficiency Ratio | 52.73% | 58.10% | 77.95% | 58.94% | 49.31% | -342 bps | |
| Non-Interest Burden | 1.61% | 1.78% | 2.39% | 1.86% | 1.51% | -10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.64% | 3.53% | 9.00% | 6.68% | 11.62% | +499 bps | |
| Loan Growth (YoY) | 15.03% | 15.21% | 18.43% | 13.79% | 14.19% | -84 bps | |
| Deposit Growth (YoY) | 5.16% | 2.43% | 7.72% | 5.94% | 11.85% | +669 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.62% | 0.19% | -0.04% | -0.02% | -0.64% | -3 bps | |
| Allowance / Loans | 4.31% | 4.25% | 3.57% | 3.77% | 3.91% | -41 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.98% | 13.29% | 13.04% | 12.81% | 12.65% | -33 bps | |
| Total Risk-Based Capital | 30.59% | 29.88% | 27.02% | 27.64% | 30.80% | +21 bps | |
| Equity / Assets | 11.66% | 12.26% | 11.77% | 11.54% | 11.44% | -21 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.40% | 48.69% | 54.88% | 50.39% | 49.42% | +101 bps | |
| Liquid Assets / Assets | 26.49% | 28.56% | 18.14% | 23.36% | 24.38% | -211 bps | |
| CRE / Total Capital | n/a | 9.27% | 9.02% | 8.77% | n/a | n/a | |