Wathena, KS · Cert 16941 · Wathena Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · St. Joseph, MO-KS · 2026 SOD (annual) · 2.4% share · #12 of 21 inst. · $0.1B of $3.2B
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 | 0.85% | 0.50% | 1.01% | 0.91% | 0.93% | 0.27% | 1.00% | 1.12% | +20 bps | |
| Return on Equity | 12.17% | 7.06% | 15.44% | 12.94% | 11.77% | 3.13% | 12.04% | 13.57% | +63 bps | |
| Net Interest Margin | 3.45% | 3.49% | 3.50% | 3.52% | 3.59% | 3.60% | 3.54% | 3.72% | +20 bps | |
| Efficiency Ratio | 74.48% | 85.41% | 70.05% | 73.38% | 73.27% | 92.29% | 70.23% | 67.41% | -597 bps | |
| Non-Interest Burden | 2.44% | 2.92% | 2.33% | 2.43% | 2.50% | 3.28% | 2.36% | 2.36% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.47% | 3.85% | 2.91% | 1.86% | 0.92% | 2.00% | 9.32% | 7.31% | +546 bps | |
| Loan Growth (YoY) | 10.20% | 7.58% | 6.82% | 8.24% | 3.97% | 7.45% | 7.20% | 7.77% | -47 bps | |
| Deposit Growth (YoY) | 0.33% | 4.25% | 2.00% | 0.48% | 1.80% | -0.76% | 8.13% | 5.80% | +533 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 1.16% | 1.42% | 1.24% | 1.74% | +172 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.08% | -0.14% | -0.19% | -0.07% | -0.09% | -0.10% | -0.06% | +13 bps | |
| Allowance / Loans | 3.36% | 3.40% | 3.37% | 3.30% | 3.35% | 3.29% | 3.25% | 3.14% | -16 bps | |
| Allowance Coverage of NPLs | 704.5x | n/a | 238.7x | 290.6x | 2.9x | 2.3x | 2.6x | 1.8x | -288.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.98% | 13.45% | 13.64% | 14.09% | 14.11% | 13.90% | 13.42% | 13.64% | -45 bps | |
| Total Risk-Based Capital | 13.98% | 13.45% | 13.64% | 14.09% | 14.11% | 13.90% | 13.42% | 13.64% | -45 bps | |
| Equity / Assets | 8.05% | 6.21% | 6.83% | 7.29% | 8.58% | 8.74% | 7.89% | 8.58% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.87% | 56.08% | 57.73% | 60.44% | 62.16% | 60.72% | 57.23% | 61.57% | +112 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 43.54% | 48.65% | 48.29% | n/a | n/a | |