Kansas City, MO · Cert 17009 · Central Bancshares KS Cty Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.3% share · #35 of 114 inst. · $0.3B of $99.1B
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 | 4.74% | 4.99% | 4.66% | 7.20% | 5.61% | 4.84% | 2.61% | 2.94% | -426 bps | |
| Return on Equity | 35.59% | 36.99% | 32.64% | 50.71% | 40.05% | 35.57% | 21.00% | 23.68% | -2,703 bps | |
| Net Interest Margin | 4.22% | 4.19% | 4.70% | 4.85% | 4.63% | 4.11% | 4.45% | 4.66% | -20 bps | |
| Efficiency Ratio | 29.87% | 28.77% | 27.12% | 22.20% | 26.32% | 29.01% | 40.71% | 37.78% | +1,558 bps | |
| Non-Interest Burden | -1.56% | -1.91% | -2.58% | -5.33% | -2.84% | -1.66% | 0.99% | 0.63% | +596 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.40% | -8.06% | -11.34% | 0.88% | 6.06% | 16.01% | 14.60% | 14.34% | +1,345 bps | |
| Loan Growth (YoY) | 14.33% | 11.86% | 5.33% | 5.85% | 5.66% | 12.96% | 9.85% | 6.44% | +58 bps | |
| Deposit Growth (YoY) | -8.98% | -10.44% | -13.92% | 6.70% | 11.30% | 18.70% | 13.75% | 13.40% | +669 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.14% | 0.15% | 0.13% | +13 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | -0.01% | -0.04% | -0.03% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.23% | 1.21% | 1.23% | 1.21% | 1.27% | 1.16% | 1.25% | 1.24% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 8.4x | 8.1x | 9.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.84% | 13.40% | 13.28% | 13.46% | 12.56% | 11.03% | 11.51% | 11.95% | -151 bps | |
| Total Risk-Based Capital | 16.70% | 15.74% | 16.05% | 15.59% | 15.39% | 14.20% | 14.63% | 11.95% | -364 bps | |
| Equity / Assets | 14.19% | 14.09% | 14.48% | 14.05% | 13.46% | 12.23% | 12.68% | 12.34% | -171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.11% | 98.47% | 101.13% | 102.37% | 94.09% | 93.70% | 97.66% | 96.09% | -628 bps | |
| Liquid Assets / Assets | 9.77% | 8.18% | 5.80% | 5.49% | 15.62% | 15.75% | 15.14% | 15.31% | +982 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 288% | 292% | 299% | n/a | n/a | |