Lakin, KS · Cert 15194 · Lakin Bancshares Inc.
State charter, non-member · FDIC · 2 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
40
Asset Quality
39
Profitability
30
Liquidity
99
Efficiency
27
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.
Lakin, KS · Cert 15194 · Lakin Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 0.66% | 0.78% | 0.77% | 0.91% | 0.89% | 0.97% | 0.87% | 1.06% | +15 bps | |
| Return on Equity | 5.83% | 6.89% | 6.91% | 8.23% | 7.92% | 8.69% | 7.98% | 9.59% | +136 bps | |
| Net Interest Margin | 3.10% | 3.18% | 3.29% | 3.22% | 3.21% | 3.22% | 3.02% | 3.31% | +9 bps | |
| Efficiency Ratio | 65.36% | 65.48% | 64.76% | 60.54% | 60.65% | 60.04% | 67.22% | 63.63% | +309 bps | |
| Non-Interest Burden | 1.90% | 1.96% | 2.03% | 1.82% | 1.82% | 1.79% | 1.93% | 1.98% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.58% | 6.50% | 2.42% | 3.83% | 3.08% | 6.64% | 3.36% | -1.90% | -573 bps | |
| Loan Growth (YoY) | 9.39% | 10.48% | 8.02% | 12.69% | 11.69% | 11.85% | 3.52% | -1.72% | -1,441 bps | |
| Deposit Growth (YoY) | 10.29% | 7.06% | 2.24% | 1.59% | 6.26% | 7.09% | 3.74% | 3.27% | +168 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.61% | 0.21% | 0.48% | 1.02% | 1.04% | 1.18% | 1.62% | 1.15% | +13 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.60% | 1.51% | 1.59% | 1.51% | 1.72% | 1.77% | 1.83% | 1.72% | +21 bps | |
| Allowance Coverage of NPLs | 2.6x | 7.2x | 3.3x | 1.5x | 1.7x | 1.5x | 1.1x | 1.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.00% | 13.41% | 13.01% | 12.78% | 12.70% | 12.25% | 12.03% | 12.62% | -17 bps | |
| Total Risk-Based Capital | 13.00% | 13.41% | 13.01% | 12.78% | 12.70% | 12.25% | 12.03% | 12.62% | -17 bps | |
| Equity / Assets | 11.60% | 11.15% | 11.09% | 11.04% | 11.55% | 10.87% | 10.83% | 11.47% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.80% | 62.41% | 63.48% | 72.91% | 69.16% | 65.18% | 63.35% | 69.39% | -353 bps | |
| Liquid Assets / Assets | 1.98% | 1.97% | 1.96% | 1.90% | 1.92% | 1.85% | 1.90% | 2.05% | +15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 108.54% | 107.41% | 106.62% | n/a | n/a | |
Lakin, KS · Cert 15194 · Peer group: banks under $1B in assets in KS (n=98) · Lakin Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.08%
Rank 68 of 98
Net Interest Margin
3.31%
Rank 70 of 98
Efficiency Ratio
64.51%
Rank 73 of 98
Equity / Assets
11.47%
Rank 47 of 98
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.08% | 1.03% | 1.24% | 1.54% | Beats 31% | 68 / 98 | ||
| Return on Equity | 9.46% | 8.85% | 11.58% | 14.73% | Beats 30% | 69 / 98 | ||
| Net Interest Margin | 3.31% | 3.24% | 3.62% | 3.91% | Beats 29% | 70 / 98 | ||
| Efficiency Ratio | 64.51% | 51.87% | 58.88% | 64.74% | Beats 27% | 73 / 98 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.15% | 0.01% | 0.33% | 1.05% | Beats 24% | 75 / 98 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 53% | 47 / 98 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.62% | 11.81% | 13.71% | 17.33% | Beats 36% | 63 / 98 | ||
| Total Risk-Based Capital Ratio | 12.62% | 11.81% | 14.13% | 17.45% | Beats 31% | 68 / 98 | ||
| Equity / Assets | 11.47% | 8.60% | 11.34% | 13.10% | Beats 52% | 47 / 98 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.39% | 57.09% | 69.84% | 82.47% | 49th pctl | 50 / 98 | ||
| Loans / Assets | 61.03% | 49.34% | 58.31% | 68.94% | 54th pctl | 45 / 98 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||