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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.55% | 0.70% | 1.01% | 1.21% | +71 bps | |
| Return on Equity | 7.54% | 8.08% | 10.14% | 13.31% | 15.63% | +809 bps | |
| Net Interest Margin | 3.62% | 3.65% | 3.73% | 4.10% | 4.61% | +99 bps | |
| Efficiency Ratio | 84.04% | 82.55% | 78.95% | 71.58% | 65.26% | -1,878 bps | |
| Non-Interest Burden | 2.99% | 2.95% | 2.85% | 2.84% | 2.89% | -10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.04% | -5.83% | 3.35% | 4.89% | 6.50% | +1,254 bps | |
| Loan Growth (YoY) | -12.53% | -8.71% | 12.60% | 14.41% | 20.62% | +3,315 bps | |
| Deposit Growth (YoY) | 5.98% | 5.07% | 6.02% | 5.76% | 7.74% | +175 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.02% | 2.87% | 2.85% | 3.23% | 1.30% | +28 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.02% | -0.02% | -2 bps | |
| Allowance / Loans | 0.94% | 0.89% | 0.82% | 0.79% | 0.82% | -12 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.3x | 0.3x | 0.2x | 0.6x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.51% | 8.69% | 8.59% | 8.26% | 9.02% | +51 bps | |
| Total Risk-Based Capital | 14.38% | 14.18% | 13.63% | 12.91% | 13.62% | -75 bps | |
| Equity / Assets | 7.01% | 7.42% | 7.50% | 7.67% | 8.01% | +101 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.21% | 68.55% | 73.36% | 72.13% | 73.01% | +780 bps | |
| Liquid Assets / Assets | 2.89% | 2.20% | 2.17% | 2.65% | 3.56% | +67 bps | |
| CRE / Total Capital | n/a | 210% | 243% | 230% | n/a | n/a | |