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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | 0.86% | 1.03% | 1.12% | 1.04% | +14 bps | |
| Return on Equity | 7.38% | 6.89% | 8.20% | 8.75% | 8.13% | +75 bps | |
| Net Interest Margin | 3.54% | 3.57% | 3.59% | 3.65% | 3.74% | +20 bps | |
| Efficiency Ratio | 65.73% | 64.95% | 64.70% | 63.18% | 63.06% | -268 bps | |
| Non-Interest Burden | 2.11% | 2.10% | 2.10% | 2.10% | 2.14% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.64% | 1.77% | 5.28% | 6.48% | 6.89% | +625 bps | |
| Loan Growth (YoY) | -4.18% | -5.07% | -4.82% | -2.90% | -1.33% | +285 bps | |
| Deposit Growth (YoY) | 0.16% | 1.88% | 5.83% | 6.38% | 6.96% | +680 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.49% | 1.71% | 1.75% | 1.93% | 1.73% | +25 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.38% | 0.29% | 0.02% | 0.01% | -6 bps | |
| Allowance / Loans | 1.15% | 1.04% | 1.07% | 1.14% | 1.20% | +4 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.6x | 0.6x | 0.6x | 0.7x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.76% | 12.96% | 13.20% | 12.92% | 13.06% | +30 bps | |
| Total Risk-Based Capital | 12.76% | 12.96% | 13.20% | 12.92% | 13.06% | +30 bps | |
| Equity / Assets | 12.63% | 13.18% | 12.96% | 12.62% | 12.91% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.81% | 74.74% | 69.79% | 66.64% | 68.09% | -572 bps | |
| Liquid Assets / Assets | 5.48% | 3.79% | 8.64% | 10.33% | 7.86% | +238 bps | |
| CRE / Total Capital | n/a | 131.48% | 118.90% | 115.52% | n/a | n/a | |