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 (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 | 1.48% | 1.76% | 1.69% | 1.67% | 2.04% | 0.55% | 1.31% | 1.82% | +15 bps | |
| Return on Equity | 11.08% | 12.93% | 12.27% | 11.51% | 13.33% | 3.56% | 8.41% | 11.34% | -17 bps | |
| Net Interest Margin | 3.31% | 3.36% | 3.49% | 3.57% | 3.73% | 3.81% | 3.98% | 3.90% | +33 bps | |
| Efficiency Ratio | 55.24% | 55.53% | 50.22% | 51.19% | 46.80% | 55.10% | 46.76% | 51.01% | -18 bps | |
| Non-Interest Burden | 1.48% | 1.09% | 1.43% | 1.49% | 1.35% | 1.72% | 1.46% | 1.62% | +13 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 | -0.04% | 0.26% | 0.14% | 0.03% | -0.06% | 1.93% | -0.01% | 1.64% | +161 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 | |