Holton, KS · Cert 15305 · Denison Bancshares Inc. Holton
State charter, non-member · FDIC · 5 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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
79
Asset Quality
14
Profitability
63
Liquidity
82
Efficiency
88
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.
Holton, KS · Cert 15305 · Denison Bancshares Inc. Holton
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Topeka, KS · 2026 SOD (annual) · 5.2% share · #5 of 30 inst. · $0.4B of $7.1B
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 | 1.26% | 1.38% | 1.69% | 1.68% | 1.80% | 1.49% | 1.31% | 1.57% | -12 bps | |
| Return on Equity | 9.62% | 10.56% | 12.27% | 11.90% | 12.39% | 10.13% | 8.41% | 9.89% | -202 bps | |
| Net Interest Margin | 3.19% | 3.20% | 3.49% | 3.52% | 3.62% | 3.63% | 3.98% | 3.95% | +43 bps | |
| Efficiency Ratio | 54.74% | 54.98% | 50.22% | 50.71% | 49.36% | 50.89% | 46.76% | 48.86% | -185 bps | |
| Non-Interest Burden | 1.42% | 1.32% | 1.43% | 1.46% | 1.43% | 1.49% | 1.46% | 1.54% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.41% | 4.98% | 6.41% | 3.33% | 2.53% | 2.38% | 1.58% | -0.74% | -407 bps | |
| Loan Growth (YoY) | 5.74% | 8.74% | 7.64% | 5.70% | 4.49% | 4.78% | 2.82% | 2.31% | -338 bps | |
| Deposit Growth (YoY) | 6.98% | 5.46% | 5.29% | 1.43% | 0.88% | 0.13% | 0.43% | -1.69% | -312 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.46% | 0.42% | 0.36% | 0.52% | 0.27% | 0.80% | 0.83% | 1.08% | +56 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.19% | 0.14% | 0.08% | 0.04% | 0.51% | -0.01% | 0.82% | +73 bps | |
| Allowance / Loans | 1.21% | 1.13% | 1.09% | 1.08% | 1.04% | 1.07% | 1.42% | 1.02% | -6 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.7x | 3.0x | 2.1x | 3.9x | 1.3x | 1.7x | 0.9x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.94% | 16.07% | 16.41% | 16.56% | 17.22% | 16.83% | 17.27% | 17.53% | +97 bps | |
| Total Risk-Based Capital | 15.94% | 16.07% | 16.41% | 16.56% | 17.22% | 16.83% | 17.27% | 17.53% | +97 bps | |
| Equity / Assets | 13.96% | 13.33% | 14.23% | 14.88% | 15.77% | 15.34% | 15.70% | 16.49% | +162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.53% | 76.94% | 77.73% | 79.02% | 80.30% | 80.52% | 79.58% | 82.24% | +322 bps | |
| Liquid Assets / Assets | 2.59% | 3.52% | 2.76% | 0.98% | 2.22% | 2.94% | 3.49% | 0.38% | -60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 78.31% | 78.46% | 79.46% | n/a | n/a | |
Holton, KS · Cert 15305 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Denison Bancshares Inc. Holton
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
1.60%
Rank 138 of 746
Net Interest Margin
3.95%
Rank 272 of 746
Efficiency Ratio
48.86%
Rank 94 of 746
Equity / Assets
16.49%
Rank 70 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.60% | 0.72% | 1.06% | 1.45% | Beats 82% | 138 / 746 | ||
| Return on Equity | 9.71% | 6.74% | 10.51% | 13.63% | Beats 44% | 417 / 746 | ||
| Net Interest Margin | 3.95% | 3.17% | 3.68% | 4.16% | Beats 64% | 272 / 746 | ||
| Efficiency Ratio | 48.86% | 55.74% | 64.58% | 75.47% | Beats 88% | 94 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.08% | 0.09% | 0.42% | 1.07% | Beats 25% | 559 / 743 | ||
| Net Charge-Offs / Loans | 0.42% | 0.00% | 0.01% | 0.05% | Beats 3% | 719 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.53% | 11.55% | 13.75% | 17.60% | Beats 75% | 190 / 746 | ||
| Total Risk-Based Capital Ratio | 17.53% | 11.71% | 14.33% | 18.43% | Beats 71% | 215 / 746 | ||
| Equity / Assets | 16.49% | 8.90% | 10.51% | 13.06% | Beats 91% | 70 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.24% | 61.31% | 78.27% | 90.78% | 58th pctl | 312 / 746 | ||
| Loans / Assets | 66.97% | 53.60% | 66.97% | 76.08% | 50th pctl | 373 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||