Johnson, KS · Cert 15237 · Johnson State 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.38% | -0.16% | 0.65% | 0.79% | +51 bps | |
| Return on Equity | 2.13% | 2.85% | -1.22% | 5.08% | 6.08% | +395 bps | |
| Net Interest Margin | 2.80% | 2.84% | 2.81% | 2.92% | 2.96% | +16 bps | |
| Efficiency Ratio | 87.47% | 85.22% | 111.21% | 80.87% | 74.47% | -1,300 bps | |
| Non-Interest Burden | 2.42% | 2.38% | 3.09% | 2.26% | 2.09% | -33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.22% | -2.80% | 1.24% | 11.13% | 9.41% | +1,563 bps | |
| Loan Growth (YoY) | -3.83% | 6.85% | 13.30% | 4.53% | 1.10% | +494 bps | |
| Deposit Growth (YoY) | -10.03% | -4.40% | 0.09% | 12.72% | 12.26% | +2,229 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.14% | 0.13% | 0.13% | 0.12% | 0.12% | -1 bps | |
| Net Charge-Offs / Loans | -0.22% | -0.22% | -0.22% | -0.23% | -0.21% | +1 bps | |
| Allowance / Loans | 3.71% | 3.73% | 3.87% | 4.10% | 3.88% | +17 bps | |
| Allowance Coverage of NPLs | 27.4x | 28.9x | 30.7x | 33.4x | 31.5x | +4.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.51% | 16.84% | 16.06% | 15.03% | 14.72% | -179 bps | |
| Total Risk-Based Capital | 16.51% | 16.84% | 16.06% | 15.03% | 14.72% | -179 bps | |
| Equity / Assets | 13.66% | 14.43% | 13.34% | 12.36% | 13.18% | -48 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.17% | 48.99% | 44.53% | 39.22% | 44.28% | -489 bps | |
| Liquid Assets / Assets | 2.83% | 2.24% | 5.16% | 13.14% | 5.85% | +302 bps | |
| CRE / Total Capital | n/a | 29.45% | 28.99% | 29.11% | n/a | n/a | |