Mankato, KS · Cert 17375
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.96% | 0.06% | 1.24% | 0.80% | +8 bps | |
| Return on Equity | 9.96% | 11.62% | 0.79% | 15.47% | 9.48% | -48 bps | |
| Net Interest Margin | 3.01% | 3.27% | 3.25% | 3.02% | 3.13% | +13 bps | |
| Efficiency Ratio | 71.47% | 55.96% | 92.29% | 60.88% | 67.96% | -351 bps | |
| Non-Interest Burden | 2.10% | 1.76% | 2.99% | 1.74% | 2.09% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.70% | 2.31% | 10.69% | 1.46% | 16.54% | +884 bps | |
| Loan Growth (YoY) | 0.73% | 0.19% | 7.11% | 4.89% | 6.49% | +576 bps | |
| Deposit Growth (YoY) | 8.27% | 2.31% | 9.48% | -0.30% | 15.97% | +770 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.67% | 2.48% | 1.84% | 2.08% | 1.85% | -82 bps | |
| Net Charge-Offs / Loans | -0.15% | 0.17% | -0.09% | 0.00% | 0.16% | +31 bps | |
| Allowance / Loans | 1.42% | 1.48% | 1.41% | 1.58% | 1.40% | -2 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.6x | 0.8x | 0.8x | 0.8x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.84% | 13.34% | 12.23% | 12.06% | 12.25% | -59 bps | |
| Total Risk-Based Capital | 12.84% | 13.34% | 12.23% | 12.06% | 12.25% | -59 bps | |
| Equity / Assets | 7.44% | 9.16% | 7.39% | 8.83% | 8.15% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 39.97% | 43.88% | 33.88% | 36.75% | 36.70% | -327 bps | |
| Liquid Assets / Assets | 0.04% | 0.04% | 0.03% | 0.04% | 0.03% | -1 bps | |
| CRE / Total Capital | n/a | 19.10% | 19.28% | 23.16% | n/a | n/a | |