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 (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 | 0.57% | 0.56% | 1.00% | 1.23% | 1.12% | 0.45% | 1.28% | 1.47% | +24 bps | |
| Return on Equity | 7.43% | 7.16% | 12.98% | 15.38% | 13.65% | 5.52% | 16.01% | 18.11% | +273 bps | |
| Net Interest Margin | 2.89% | 3.11% | 3.19% | 3.21% | 4.02% | 3.46% | 3.49% | 3.65% | +44 bps | |
| Efficiency Ratio | 78.86% | 80.56% | 68.18% | 62.90% | 70.28% | 86.51% | 61.47% | 57.39% | -551 bps | |
| Non-Interest Burden | 2.09% | 2.35% | 1.88% | 1.64% | 2.57% | 2.88% | 1.81% | 1.73% | +9 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% | 0.01% | 0.02% | 0.01% | -0.13% | 0.01% | 0.07% | -0.03% | -3 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 | |