Wellington, KS · Cert 17399 · First Financial Corp.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 0.7% share · #26 of 46 inst. · $0.2B of $23.2B
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 | 0.93% | 0.94% | 1.06% | 1.06% | 1.35% | +41 bps | |
| Return on Equity | 16.30% | 15.38% | 16.87% | 15.22% | 18.69% | +239 bps | |
| Net Interest Margin | 3.05% | 3.12% | 3.32% | 3.33% | 3.30% | +25 bps | |
| Efficiency Ratio | 64.54% | 64.60% | 61.70% | 61.16% | 54.37% | -1,017 bps | |
| Non-Interest Burden | 1.90% | 1.94% | 1.97% | 1.96% | 1.61% | -29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.67% | -1.88% | -2.97% | 5.53% | 5.08% | +975 bps | |
| Loan Growth (YoY) | -0.98% | -4.34% | -5.69% | -4.29% | -3.98% | -300 bps | |
| Deposit Growth (YoY) | -2.75% | 2.51% | 5.40% | 7.95% | 9.50% | +1,225 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.13% | 0.78% | 0.02% | 0.05% | 0.03% | -110 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.08% | 0.06% | 0.00% | 0.05% | -6 bps | |
| Allowance / Loans | 1.18% | 1.22% | 1.25% | 1.23% | 1.27% | +9 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.6x | 74.5x | 24.4x | 38.6x | +37.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.24% | 10.73% | 10.41% | 10.78% | 10.62% | +38 bps | |
| Total Risk-Based Capital | 15.42% | 15.51% | 15.60% | 16.24% | 16.49% | +107 bps | |
| Equity / Assets | 6.24% | 7.29% | 7.16% | 6.76% | 7.69% | +145 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.74% | 72.29% | 66.85% | 67.00% | 65.54% | -920 bps | |
| Liquid Assets / Assets | 1.55% | 2.38% | 1.46% | 2.86% | 2.75% | +119 bps | |
| CRE / Total Capital | n/a | 218% | 209% | 207% | n/a | n/a | |