Sublette, KS · Cert 16436 · Santa Fe Trail Banc Shares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
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 | 0.90% | 0.90% | 0.81% | 1.24% | 1.32% | +41 bps | |
| Return on Equity | 14.42% | 13.60% | 11.78% | 16.25% | 17.04% | +262 bps | |
| Net Interest Margin | 2.95% | 3.03% | 3.04% | 3.14% | 3.33% | +37 bps | |
| Efficiency Ratio | 68.29% | 67.92% | 71.38% | 65.04% | 62.92% | -537 bps | |
| Non-Interest Burden | 1.86% | 1.90% | 2.04% | 1.90% | 1.92% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.25% | -1.54% | 2.49% | -1.14% | -1.49% | -574 bps | |
| Loan Growth (YoY) | 3.14% | 1.91% | 3.40% | 1.08% | -0.91% | -404 bps | |
| Deposit Growth (YoY) | 4.62% | -1.29% | 0.19% | -2.60% | -2.65% | -726 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.01% | 0.03% | 0.18% | 0.04% | 0.01% | 0 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.04% | 0.00% | 0.02% | -2 bps | |
| Allowance / Loans | 1.09% | 1.05% | 1.04% | 1.08% | 1.07% | -2 bps | |
| Allowance Coverage of NPLs | 126.8x | 39.6x | 5.6x | 27.0x | 107.2x | -19.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.21% | 9.38% | 9.30% | 9.21% | 9.59% | +38 bps | |
| Total Risk-Based Capital | 16.74% | 16.61% | 16.41% | 17.23% | 17.44% | +70 bps | |
| Equity / Assets | 6.94% | 7.73% | 7.81% | 7.41% | 7.96% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.88% | 53.94% | 53.18% | 49.66% | 51.79% | +91 bps | |
| Liquid Assets / Assets | 3.56% | 1.17% | 0.49% | 4.68% | 1.86% | -170 bps | |
| CRE / Total Capital | n/a | 93.44% | 93.58% | 92.14% | n/a | n/a | |