Altamont, KS · Cert 17068 · Labette County Bankshares Inc.
State charter, non-member · FDIC · 10 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
51
Asset Quality
30
Profitability
35
Liquidity
94
Efficiency
35
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.
Altamont, KS · Cert 17068 · Labette County Bankshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #83 of 114 inst. · $0.1B 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 | 0.94% | 0.97% | 1.29% | 0.91% | 0.86% | 1.03% | 1.12% | 1.04% | +14 bps | |
| Return on Equity | 8.60% | 8.71% | 10.66% | 7.38% | 6.89% | 8.20% | 8.75% | 8.13% | +75 bps | |
| Net Interest Margin | 3.30% | 3.34% | 3.39% | 3.54% | 3.57% | 3.59% | 3.65% | 3.74% | +20 bps | |
| Efficiency Ratio | 67.44% | 66.64% | 60.48% | 65.73% | 64.95% | 64.70% | 63.18% | 63.06% | -268 bps | |
| Non-Interest Burden | 2.00% | 2.00% | 1.80% | 2.11% | 2.10% | 2.10% | 2.10% | 2.14% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.47% | -0.60% | 0.01% | 0.64% | 1.77% | 5.28% | 6.48% | 6.89% | +625 bps | |
| Loan Growth (YoY) | 6.27% | 3.66% | -1.45% | -4.18% | -5.07% | -4.82% | -2.90% | -1.33% | +285 bps | |
| Deposit Growth (YoY) | -1.94% | -2.51% | -0.67% | 0.16% | 1.88% | 5.83% | 6.38% | 6.96% | +680 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.50% | 1.30% | 1.48% | 1.49% | 1.71% | 1.75% | 1.93% | 1.73% | +25 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.09% | 0.19% | 0.08% | 0.38% | 0.29% | 0.02% | 0.01% | -6 bps | |
| Allowance / Loans | 0.93% | 0.96% | 0.94% | 1.15% | 1.04% | 1.07% | 1.14% | 1.20% | +4 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.7x | 0.6x | 0.8x | 0.6x | 0.6x | 0.6x | 0.7x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.30% | 12.55% | 12.58% | 12.76% | 12.96% | 13.20% | 12.92% | 13.06% | +30 bps | |
| Total Risk-Based Capital | 12.30% | 19.35% | 12.58% | 12.76% | 12.96% | 13.20% | 12.92% | 13.06% | +30 bps | |
| Equity / Assets | 12.01% | 12.05% | 12.24% | 12.63% | 13.18% | 12.96% | 12.62% | 12.91% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.21% | 77.60% | 73.00% | 73.81% | 74.74% | 69.79% | 66.64% | 68.09% | -572 bps | |
| Liquid Assets / Assets | 4.56% | 6.78% | 8.00% | 5.48% | 3.79% | 8.64% | 10.33% | 7.86% | +238 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 131.48% | 118.90% | 115.52% | n/a | n/a | |
Altamont, KS · Cert 17068 · Peer group: banks under $1B in assets in KS (n=98) · Labette County Bankshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Return on Assets
1.03%
Rank 74 of 98
Net Interest Margin
3.74%
Rank 35 of 98
Efficiency Ratio
63.06%
Rank 65 of 98
Equity / Assets
12.91%
Rank 29 of 98
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.03% | 1.03% | 1.24% | 1.54% | Beats 24% | 74 / 98 | ||
| Return on Equity | 8.01% | 8.85% | 11.58% | 14.73% | Beats 18% | 80 / 98 | ||
| Net Interest Margin | 3.74% | 3.24% | 3.62% | 3.91% | Beats 64% | 35 / 98 | ||
| Efficiency Ratio | 63.06% | 51.87% | 58.88% | 64.74% | Beats 35% | 65 / 98 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.73% | 0.01% | 0.33% | 1.05% | Beats 18% | 81 / 98 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.03% | Beats 41% | 59 / 98 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.06% | 11.81% | 13.71% | 17.33% | Beats 45% | 54 / 98 | ||
| Total Risk-Based Capital Ratio | 13.06% | 11.81% | 14.13% | 17.45% | Beats 39% | 60 / 98 | ||
| Equity / Assets | 12.91% | 8.60% | 11.34% | 13.10% | Beats 70% | 29 / 98 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.09% | 57.09% | 69.84% | 82.47% | 46th pctl | 53 / 98 | ||
| Loans / Assets | 57.18% | 49.34% | 58.31% | 68.94% | 45th pctl | 54 / 98 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||