Emporia, KS · Cert 16629 · Namyaw Corp. Inc.
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 KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
23
Profitability
64
Liquidity
48
Efficiency
44
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.
Emporia, KS · Cert 16629 · Namyaw Corp. Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Manhattan, KS · 2026 SOD (annual) · 0.7% share · #19 of 22 inst. · $0.0B of $4.5B
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 | 0.67% | 0.64% | 1.00% | 1.11% | 1.12% | 0.95% | 1.28% | 1.38% | +27 bps | |
| Return on Equity | 8.84% | 8.47% | 12.98% | 14.19% | 14.00% | 11.82% | 16.01% | 16.99% | +280 bps | |
| Net Interest Margin | 2.82% | 2.83% | 3.19% | 3.14% | 3.34% | 3.33% | 3.49% | 3.55% | +41 bps | |
| Efficiency Ratio | 75.94% | 77.17% | 68.18% | 65.45% | 67.30% | 72.20% | 61.47% | 59.38% | -606 bps | |
| Non-Interest Burden | 1.92% | 1.99% | 1.88% | 1.73% | 1.96% | 2.17% | 1.81% | 1.76% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.94% | 3.41% | 5.94% | 5.80% | 9.82% | 10.04% | 12.03% | 5.57% | -23 bps | |
| Loan Growth (YoY) | 6.64% | 7.94% | 2.16% | 7.70% | 13.13% | 12.55% | 19.24% | 14.62% | +692 bps | |
| Deposit Growth (YoY) | -2.21% | 1.45% | 3.96% | 5.73% | 9.95% | 9.65% | 12.75% | 7.13% | +140 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.01% | 1.39% | 1.23% | 1.14% | 0.41% | 1.72% | 1.50% | 1.58% | +44 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.02% | 0.01% | -0.03% | -0.02% | 0.07% | 0.02% | +1 bps | |
| Allowance / Loans | 1.12% | 1.09% | 1.10% | 1.03% | 1.03% | 1.00% | 0.96% | 0.97% | -6 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.8x | 0.9x | 0.9x | 2.5x | 0.6x | 0.6x | 0.6x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.45% | 9.19% | 9.41% | 9.40% | 9.27% | 9.14% | 8.86% | 9.07% | -33 bps | |
| Total Risk-Based Capital | 13.43% | 14.21% | 14.50% | 14.22% | 14.18% | 13.63% | 12.92% | 13.40% | -83 bps | |
| Equity / Assets | 8.06% | 7.57% | 7.86% | 8.10% | 8.30% | 8.17% | 7.84% | 8.39% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.61% | 75.14% | 73.12% | 75.65% | 76.76% | 77.12% | 77.34% | 80.94% | +529 bps | |
| Liquid Assets / Assets | 18.21% | 15.25% | 17.53% | 15.28% | 14.80% | 13.94% | 14.93% | 11.54% | -374 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 270% | 277% | 292% | n/a | n/a | |
Emporia, KS · Cert 16629 · Peer group: banks under $1B in assets in KS (n=98) · Namyaw Corp. Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.40%
Rank 38 of 98
Net Interest Margin
3.55%
Rank 54 of 98
Efficiency Ratio
59.38%
Rank 56 of 98
Equity / Assets
8.39%
Rank 79 of 98
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.40% | 1.03% | 1.24% | 1.54% | Beats 61% | 38 / 98 | ||
| Return on Equity | 16.62% | 8.85% | 11.58% | 14.73% | Beats 86% | 14 / 98 | ||
| Net Interest Margin | 3.55% | 3.24% | 3.62% | 3.91% | Beats 45% | 54 / 98 | ||
| Efficiency Ratio | 59.38% | 51.87% | 58.88% | 64.74% | Beats 44% | 56 / 98 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.58% | 0.01% | 0.33% | 1.05% | Beats 19% | 80 / 98 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.00% | 0.03% | Beats 27% | 73 / 98 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.44% | 11.81% | 13.71% | 17.33% | Beats 34% | 65 / 98 | ||
| Total Risk-Based Capital Ratio | 13.40% | 11.81% | 14.13% | 17.45% | Beats 44% | 55 / 98 | ||
| Equity / Assets | 8.39% | 8.60% | 11.34% | 13.10% | Beats 19% | 79 / 98 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.94% | 57.09% | 69.84% | 82.47% | 72nd pctl | 27 / 98 | ||
| Loans / Assets | 71.31% | 49.34% | 58.31% | 68.94% | 83rd pctl | 17 / 98 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||