Clyde, KS · Cert 15259 · Elkcorp Inc.
State charter, non-member · FDIC · 3 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 | 0.71% | 0.77% | 0.67% | 0.75% | 0.70% | 0 bps | |
| Return on Equity | 10.48% | 11.18% | 9.62% | 10.55% | 9.89% | -59 bps | |
| Net Interest Margin | 2.64% | 2.61% | 2.59% | 2.83% | 2.90% | +26 bps | |
| Efficiency Ratio | 71.32% | 70.21% | 73.72% | 65.96% | 69.31% | -202 bps | |
| Non-Interest Burden | 1.83% | 1.78% | 1.86% | 1.81% | 1.95% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.54% | -1.36% | 4.20% | 5.25% | 4.63% | +409 bps | |
| Loan Growth (YoY) | 3.51% | -1.11% | 8.79% | 11.62% | 12.46% | +895 bps | |
| Deposit Growth (YoY) | 5.31% | -2.15% | 3.67% | 12.44% | 9.83% | +452 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.06% | -0.05% | -0.03% | -0.01% | 0.00% | +6 bps | |
| Allowance / Loans | 1.41% | 1.44% | 1.29% | 1.31% | 1.33% | -9 bps | |
| Allowance Coverage of NPLs | 195.6x | 196.2x | 245.5x | 252.0x | 344.3x | +148.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.25% | 8.35% | 8.17% | 7.86% | 8.25% | 0 bps | |
| Total Risk-Based Capital | 16.21% | 16.78% | 15.23% | 15.36% | 15.26% | -96 bps | |
| Equity / Assets | 6.94% | 7.41% | 7.13% | 7.00% | 7.20% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.68% | 69.04% | 76.00% | 67.76% | 71.35% | +167 bps | |
| Liquid Assets / Assets | 25.37% | 26.50% | 23.11% | 25.37% | 23.01% | -236 bps | |
| CRE / Total Capital | n/a | 65.43% | 64.44% | 51.38% | n/a | n/a | |