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 (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 | 0.43% | 0.20% | 0.37% | 0.62% | 0.65% | 1.16% | 1.01% | 1.40% | +77 bps | |
| Return on Equity | 7.58% | 3.25% | 5.74% | 9.27% | 9.08% | 15.50% | 13.31% | 17.80% | +853 bps | |
| Net Interest Margin | 3.23% | 3.30% | 3.52% | 3.73% | 3.74% | 4.12% | 4.10% | 5.11% | +139 bps | |
| Efficiency Ratio | 83.74% | 92.61% | 87.87% | 80.43% | 79.68% | 70.31% | 71.58% | 60.09% | -2,033 bps | |
| Non-Interest Burden | 2.66% | 3.03% | 3.05% | 2.93% | 2.90% | 2.66% | 2.84% | 2.94% | +1 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 | 0.00% | -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 | |