Lakin, KS · Cert 15194 · Lakin Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 0.46% | 1.12% | 0.77% | 1.06% | 0.83% | 1.20% | 0.87% | 1.26% | +20 bps | |
| Return on Equity | 4.06% | 9.81% | 6.91% | 9.58% | 7.36% | 10.72% | 7.98% | 11.31% | +174 bps | |
| Net Interest Margin | 2.89% | 3.26% | 3.29% | 3.26% | 3.30% | 3.36% | 3.02% | 3.51% | +25 bps | |
| Efficiency Ratio | 72.04% | 65.84% | 64.76% | 56.45% | 60.87% | 58.33% | 67.22% | 60.43% | +398 bps | |
| Non-Interest Burden | 2.02% | 2.04% | 2.03% | 1.69% | 1.86% | 1.77% | 1.93% | 1.97% | +29 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% | 0.02% | 0.00% | 0.00% | -0.01% | 0.30% | -0.01% | 0.01% | +1 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 | |