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 (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 | 1.02% | 1.08% | 1.29% | 0.52% | 0.77% | 1.56% | 1.12% | 0.96% | +44 bps | |
| Return on Equity | 8.86% | 8.95% | 10.66% | 4.18% | 5.95% | 11.94% | 8.75% | 7.53% | +336 bps | |
| Net Interest Margin | 3.30% | 3.46% | 3.39% | 3.68% | 3.63% | 3.75% | 3.65% | 3.85% | +18 bps | |
| Efficiency Ratio | 65.30% | 64.30% | 60.48% | 70.63% | 63.42% | 63.99% | 63.18% | 62.94% | -769 bps | |
| Non-Interest Burden | 1.93% | 1.99% | 1.80% | 2.41% | 2.07% | 2.17% | 2.10% | 2.20% | -21 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 | 0.11% | 0.04% | 0.19% | -0.04% | 0.98% | 0.03% | 0.02% | 0.00% | +4 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 | |