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 (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 | 0.69% | 0.76% | 0.85% | 1.02% | 0.96% | 1.45% | 1.06% | 1.62% | +59 bps | |
| Return on Equity | 11.08% | 12.80% | 15.53% | 16.94% | 14.18% | 20.10% | 15.22% | 22.40% | +546 bps | |
| Net Interest Margin | 2.95% | 2.86% | 2.97% | 3.10% | 3.10% | 3.99% | 3.33% | 3.43% | +33 bps | |
| Efficiency Ratio | 72.21% | 65.61% | 66.62% | 62.54% | 64.72% | 54.83% | 61.16% | 48.78% | -1,376 bps | |
| Non-Interest Burden | 2.07% | 1.81% | 1.92% | 1.87% | 1.92% | 2.10% | 1.96% | 1.35% | -52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.16% | 0.72% | -0.24% | -4.67% | -1.88% | -2.97% | 5.53% | 5.08% | +975 bps | |
| Loan Growth (YoY) | 12.54% | 4.05% | 5.22% | -0.98% | -4.34% | -5.69% | -4.29% | -3.98% | -300 bps | |
| Deposit Growth (YoY) | 6.02% | -6.03% | -3.37% | -2.75% | 2.51% | 5.40% | 7.95% | 9.50% | +1,225 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.36% | 2.21% | 1.72% | 1.13% | 0.78% | 0.02% | 0.05% | 0.03% | -110 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.28% | 0.22% | 0.00% | 0.00% | 0.01% | 0.00% | 0.10% | +10 bps | |
| Allowance / Loans | 1.23% | 1.20% | 1.14% | 1.18% | 1.22% | 1.25% | 1.23% | 1.27% | +9 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.7x | 1.0x | 1.6x | 74.5x | 24.4x | 38.6x | +37.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.50% | 9.65% | 9.89% | 10.24% | 10.73% | 10.41% | 10.78% | 10.62% | +38 bps | |
| Total Risk-Based Capital | 14.48% | 14.40% | 15.00% | 15.42% | 15.51% | 15.60% | 16.24% | 16.49% | +107 bps | |
| Equity / Assets | 6.84% | 5.10% | 5.83% | 6.24% | 7.29% | 7.16% | 6.76% | 7.69% | +145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.47% | 74.71% | 75.56% | 74.74% | 72.29% | 66.85% | 67.00% | 65.54% | -920 bps | |
| Liquid Assets / Assets | 1.75% | 1.35% | 1.89% | 1.55% | 2.38% | 1.46% | 2.86% | 2.75% | +119 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 218% | 209% | 207% | n/a | n/a | |