Haviland, KS · Cert 17403
FDIC · 2 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in KS (n=99). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
100
Profitability
86
Liquidity
40
Efficiency
75
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Haviland, KS · Cert 17403
FDIC · 2 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.52% | 1.26% | 1.43% | 1.02% | 1.12% | 1.55% | 1.58% | 1.44% | +42 bps | |
| Return on Equity | 12.13% | 10.06% | 11.42% | 8.06% | 8.86% | 11.97% | 11.98% | 12.21% | +415 bps | |
| Net Interest Margin | 4.05% | 3.79% | 4.07% | 4.12% | 3.97% | 3.80% | 3.89% | 4.03% | -9 bps | |
| Efficiency Ratio | 55.99% | 61.27% | 56.56% | 54.68% | 55.38% | 50.30% | 50.15% | 55.03% | +35 bps | |
| Non-Interest Burden | 2.22% | 2.27% | 2.24% | 2.19% | 2.14% | 1.85% | 1.89% | 2.16% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.12% | 3.07% | 5.49% | 6.94% | 2.98% | 6.75% | 0.51% | -1.18% | -812 bps | |
| Loan Growth (YoY) | 31.56% | 30.69% | 16.96% | 20.99% | 15.36% | 14.80% | 9.50% | 6.92% | -1,407 bps | |
| Deposit Growth (YoY) | 2.51% | -0.95% | 2.26% | -0.73% | -7.40% | 1.36% | -2.80% | 14.09% | +1,482 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.03% | -0.02% | 1.52% | 1.01% | -0.02% | -0.02% | -0.02% | -154 bps | |
| Allowance / Loans | 1.57% | 1.75% | 1.60% | 1.16% | 1.04% | 1.17% | 1.13% | 1.19% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.37% | 12.98% | 14.04% | 14.06% | 13.75% | 13.94% | 14.49% | 7.99% | -607 bps | |
| Total Risk-Based Capital | 13.37% | 12.98% | 21.19% | 14.06% | 13.75% | 13.94% | 14.49% | 12.39% | -167 bps | |
| Equity / Assets | 11.94% | 13.16% | 12.50% | 13.16% | 12.54% | 13.44% | 13.69% | 7.47% | -569 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.97% | 79.00% | 84.75% | 90.58% | 107.11% | 89.48% | 95.48% | 84.89% | -569 bps | |
| Liquid Assets / Assets | 9.45% | 8.77% | 6.39% | 4.81% | 2.60% | 5.64% | 2.71% | 2.46% | -234 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 7.91% | n/a | n/a |
Haviland, KS · Cert 17403 · Peer group: banks under $1B in assets in KS (n=99)
FDIC · 2 branches
Q3 2025
Return on Assets
1.50%
Rank 21 of 99
Net Interest Margin
4.03%
Rank 16 of 99
Efficiency Ratio
55.03%
Rank 26 of 99
Equity / Assets
7.47%
Rank 86 of 99
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.50% | 0.87% | 1.13% | 1.43% | Beats 79% | 21 / 99 | ||
| Return on Equity | 20.03% | 7.87% | 10.19% | 12.93% | Beats 95% | 5 / 99 | ||
| Net Interest Margin | 4.03% | 3.10% | 3.38% | 3.79% | Beats 84% | 16 / 99 | ||
| Efficiency Ratio | 55.03% | 54.83% | 62.08% | 66.71% | Beats 75% | 26 / 99 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.41% | 0.89% | Beats 100% | 19 / 99 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.02% | 0.06% | Beats 100% | 31 / 99 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.19% | 11.56% | 13.82% | 17.97% | Beats 21% | 78 / 99 | ||
| Total Risk-Based Capital Ratio | 12.39% | 11.94% | 14.12% | 18.26% | Beats 26% | 73 / 99 | ||
| Equity / Assets | 7.47% | 8.30% | 10.85% | 13.75% | Beats 13% | 86 / 99 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.89% | 54.78% | 71.78% | 83.78% | 76th pctl | 24 / 99 | ||
| Loans / Assets | 71.64% | 48.58% | 60.54% | 67.75% | 82nd pctl | 18 / 99 | ||
| Brokered Deposits / Deposits | 7.44% | n/a | n/a | 2.62% | Beats 15% | 85 / 99 | n/a | |