Larned, KS · Cert 15899 · First State Financial Corp.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #69 of 114 inst. · $0.1B of $99.1B
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 | 1.77% | 1.43% | 1.41% | 1.49% | 1.74% | 1.60% | 1.46% | 1.87% | +39 bps | |
| Return on Equity | 14.22% | 12.32% | 12.38% | 12.48% | 13.56% | 11.65% | 10.73% | 14.42% | +194 bps | |
| Net Interest Margin | 3.45% | 3.78% | 3.66% | 3.77% | 3.84% | 3.75% | 3.79% | 3.61% | -16 bps | |
| Efficiency Ratio | 47.11% | 47.11% | 52.99% | 49.43% | 41.06% | 48.38% | 53.19% | 47.57% | -186 bps | |
| Non-Interest Burden | 1.53% | 1.66% | 1.85% | 1.73% | 1.44% | 1.71% | 1.93% | 1.61% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.79% | 19.00% | -2.76% | 22.11% | 1.87% | -6.56% | -0.78% | 7.81% | -1,430 bps | |
| Loan Growth (YoY) | 5.13% | 7.94% | 4.82% | 1.20% | 9.38% | 9.24% | 12.12% | 14.98% | +1,378 bps | |
| Deposit Growth (YoY) | -0.92% | 22.88% | 0.46% | 30.25% | -1.41% | -15.75% | -8.04% | 2.86% | -2,739 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.47% | +47 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.64% | 1.65% | 1.69% | 1.72% | 1.66% | 1.59% | 1.58% | 1.64% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 3.5x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.93% | 13.68% | 12.91% | 14.55% | 13.82% | 14.54% | 14.30% | 12.76% | -179 bps | |
| Total Risk-Based Capital | 11.93% | 13.68% | 12.91% | 14.55% | 13.82% | 14.54% | 14.30% | 12.76% | -179 bps | |
| Equity / Assets | 12.89% | 10.51% | 12.32% | 11.55% | 14.44% | 13.16% | 14.04% | 12.11% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.63% | 53.49% | 60.71% | 52.98% | 78.36% | 69.35% | 74.02% | 59.23% | +625 bps | |
| Liquid Assets / Assets | 11.51% | 27.93% | 18.58% | 30.04% | 11.99% | 17.36% | 15.00% | 29.26% | -78 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 145.40% | 143.33% | 152.67% | n/a | n/a | |