Creighton, MO · Cert 1612
State charter, non-member · FDIC · 4 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 in the Kansas City, MO-KS area (n=39 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
61
Profitability
54
Liquidity
70
Efficiency
35
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.
Creighton, MO · Cert 1612
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #85 of 114 inst. · $0.1B of $99.1B
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 | 0.31% | 0.29% | 0.37% | 0.50% | 0.55% | 0.70% | 1.01% | 1.21% | +71 bps | |
| Return on Equity | 5.88% | 5.24% | 5.74% | 7.54% | 8.08% | 10.14% | 13.31% | 15.63% | +809 bps | |
| Net Interest Margin | 3.12% | 3.28% | 3.52% | 3.62% | 3.65% | 3.73% | 4.10% | 4.61% | +99 bps | |
| Efficiency Ratio | 87.38% | 88.70% | 87.87% | 84.04% | 82.55% | 78.95% | 71.58% | 65.26% | -1,878 bps | |
| Non-Interest Burden | 2.69% | 2.87% | 3.05% | 2.99% | 2.95% | 2.85% | 2.84% | 2.89% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.92% | -9.69% | -7.31% | -6.04% | -5.83% | 3.35% | 4.89% | 6.50% | +1,254 bps | |
| Loan Growth (YoY) | 4.94% | -12.69% | -10.32% | -12.53% | -8.71% | 12.60% | 14.41% | 20.62% | +3,315 bps | |
| Deposit Growth (YoY) | 2.10% | 4.52% | 6.86% | 5.98% | 5.07% | 6.02% | 5.76% | 7.74% | +175 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.94% | 1.09% | 1.05% | 1.02% | 2.87% | 2.85% | 3.23% | 1.30% | +28 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | -0.02% | -0.02% | -2 bps | |
| Allowance / Loans | 0.87% | 0.99% | 0.97% | 0.94% | 0.89% | 0.82% | 0.79% | 0.82% | -12 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 0.9x | 0.9x | 0.3x | 0.3x | 0.2x | 0.6x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.78% | 8.03% | 8.31% | 8.51% | 8.69% | 8.59% | 8.26% | 9.02% | +51 bps | |
| Total Risk-Based Capital | 13.07% | 14.41% | 14.22% | 14.38% | 14.18% | 13.63% | 12.91% | 13.62% | -75 bps | |
| Equity / Assets | 6.10% | 6.29% | 6.44% | 7.01% | 7.42% | 7.50% | 7.67% | 8.01% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.90% | 69.07% | 66.68% | 65.21% | 68.55% | 73.36% | 72.13% | 73.01% | +780 bps | |
| Liquid Assets / Assets | 4.10% | 4.46% | 4.17% | 2.89% | 2.20% | 2.17% | 2.65% | 3.56% | +67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 210% | 243% | 230% | n/a | n/a | |
Creighton, MO · Cert 1612 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40)
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.19%
Rank 24 of 40
Net Interest Margin
4.61%
Rank 12 of 40
Efficiency Ratio
65.26%
Rank 27 of 40
Equity / Assets
8.01%
Rank 33 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.19% | 1.02% | 1.39% | 1.86% | Beats 40% | 24 / 40 | ||
| Return on Equity | 14.86% | 10.74% | 14.78% | 21.32% | Beats 53% | 19 / 40 | ||
| Net Interest Margin | 4.61% | 3.33% | 4.05% | 4.63% | Beats 70% | 12 / 40 | ||
| Efficiency Ratio | 65.26% | 51.70% | 58.10% | 69.29% | Beats 35% | 27 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.30% | 0.05% | 0.20% | 1.11% | Beats 21% | 32 / 39 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 15 / 39 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.78% | 11.32% | 12.27% | 16.94% | Beats 60% | 16 / 40 | ||
| Total Risk-Based Capital Ratio | 13.62% | 11.32% | 13.09% | 17.63% | Beats 57% | 17 / 40 | ||
| Equity / Assets | 8.01% | 8.41% | 10.10% | 12.34% | Beats 18% | 33 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.01% | 73.50% | 85.60% | 94.85% | 23rd pctl | 31 / 40 | ||
| Loans / Assets | 67.07% | 62.75% | 69.87% | 79.23% | 35th pctl | 26 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||