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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.11% | 1.12% | 0.95% | 1.28% | 1.38% | +27 bps | |
| Return on Equity | 14.19% | 14.00% | 11.82% | 16.01% | 16.99% | +280 bps | |
| Net Interest Margin | 3.14% | 3.34% | 3.33% | 3.49% | 3.55% | +41 bps | |
| Efficiency Ratio | 65.45% | 67.30% | 72.20% | 61.47% | 59.38% | -606 bps | |
| Non-Interest Burden | 1.73% | 1.96% | 2.17% | 1.81% | 1.76% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.80% | 9.82% | 10.04% | 12.03% | 5.57% | -23 bps | |
| Loan Growth (YoY) | 7.70% | 13.13% | 12.55% | 19.24% | 14.62% | +692 bps | |
| Deposit Growth (YoY) | 5.73% | 9.95% | 9.65% | 12.75% | 7.13% | +140 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.14% | 0.41% | 1.72% | 1.50% | 1.58% | +44 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.03% | -0.02% | 0.07% | 0.02% | +1 bps | |
| Allowance / Loans | 1.03% | 1.03% | 1.00% | 0.96% | 0.97% | -6 bps | |
| Allowance Coverage of NPLs | 0.9x | 2.5x | 0.6x | 0.6x | 0.6x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.40% | 9.27% | 9.14% | 8.86% | 9.07% | -33 bps | |
| Total Risk-Based Capital | 14.22% | 14.18% | 13.63% | 12.92% | 13.40% | -83 bps | |
| Equity / Assets | 8.10% | 8.30% | 8.17% | 7.84% | 8.39% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.65% | 76.76% | 77.12% | 77.34% | 80.94% | +529 bps | |
| Liquid Assets / Assets | 15.28% | 14.80% | 13.94% | 14.93% | 11.54% | -374 bps | |
| CRE / Total Capital | n/a | 270% | 277% | 292% | n/a | n/a | |